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Under contract-accepting backup offers. Tucked away in the desirable Lake St. Charles community, this beautifully maintained split floor plan home offers the ultimate blend of modern efficiency, functional design, and low ongoing ownership costs. The HOA is only $120 per year and there's no cost for flood insurance in our Zone X designation. The big-ticket items are already done. A full Lennox gas HVAC system and new vinyl privacy fencing were installed in April 2026, new carpet in June 2026, and the roof was replaced in 2019. The smart split floor plan maximizes both privacy and togetherness. A grand foyer opens into an expansive, light-filled living and dining area accented by soaring ceilings and oversized windows. The heart of the home features a functional kitchen with a gas range, a bright eat-in nook, and included washer and dryer. The private primary suite offers an en-suite bath and a quiet retreat from the rest of the home. Additional features include a gas water heater and 4-zone sprinkler system with recently replaced valves. Step through the sliders onto a massive 22-foot screened lanai finished with decorative ceramic tile. The backyard offers a perfect balance of privacy and character, framed by a CDD-maintained rear brick wall — all the charm, zero maintenance for you — and your brand-new vinyl privacy fencing. Lake St. Charles offers true lifestyle appeal. Enjoy premium amenities just steps from your door, including a 70-acre lake, lap pool and heated spa, tennis and pickleball courts, a dog park, a canoe launch, and 2 miles of paved nature trails. The updated playground features a 20-foot climbing structure, slides, swings, and a 75-foot zip line. Community ball fields, park bathrooms, and benches round out this exceptional neighborhood. Located just two traffic lights from I-75 and the Selmon Expressway, commuting is effortless — convenient access to Brandon, and a direct connection to Downtown Tampa, MacDill AFB, and Tampa International Airport.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$344,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $275,920 | $275,920 | $275,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.603% | 5.952% |
| Monthly Tax Payment | $572 | $572 | $572 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,653 | $1,742 | $2,291 |
| Total Monthly Payment | $2,300 | $2,389 | $2,938 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.