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Welcome to 4790 Michael Lane, a charming single-family home located in the beautiful coastal town of Ponce Inlet, FL. This well-maintained residence was built in 1988 and offers a cozy and inviting atmosphere for its new owners. This property provides ample outdoor space for relaxation and entertainment. The lush landscaping and mature trees surrounding the home create a serene and private setting for residents to enjoy. The layout of the home is thoughtfully designed to maximize comfort and functionality, with an open-concept living and dining area that is perfect for hosting gatherings with family and friends. A master bedroom, full bath and large walk in closet occupy one wing of the home, which leads to the pool through custom french doors. Two bedrooms and another full bath occupy the other wing, which also leads to the pool deck. This offers residents and guests both privacy and easy pool access. The kitchen is equipped with modern appliances, ample cabinet storage, and a large, central granite bar for casual dining. The bedrooms are spacious and offer plenty of natural light, providing a peaceful retreat for rest and relaxation. Bedroom floors and bathrooms are ready to be styled to your dream vision. All boast large closets with fully mirrored doors. Other highlights of this property include a two-car garage, an open air pool, and a backyard that is ideal for outdoor activities and hobbies. Whether you're looking to host a barbecue, cultivate a garden, or simply unwind in the sunshine, this home has everything you need to make the most of Florida living. Neither pesticides nor fertilizers have been used on the grounds, making the property organic and safe for animals and children. In addition to its charming features and convenient layout, 4790 Michael Lane is located in a desirable neighborhood known for its peaceful ambiance and proximity to local amenities. Residents can enjoy easy access to the beach, parks, dining and more, making it a truly idyllic place to call home. Important recent improvements include, custom front hurricane door, custom double hung windows in main areas, new HVAC and ductwork, new sockets and switches throughout, new soffit and gutters, new Hardie board siding and brand new top quality paint job. The septic field was replaced in 2025, providing an important update. The aluminum fence surrounding the backyard is also new and provides swing shut, locking gates. The interior main area is equiped with light reflective USA made VCT flooring that is recyclable. The ceiling fans are also new and the chimney was rebuilt to provide a ready-to-use wood burning fireplace. There is new, dimmable recessed lighting in the kitchen and the library and dining room light fixtures are vintage. Many thoughtful improvements have been made to adhere to energy efficiency and USA made updates. Overall, this property offers a wonderful opportunity for buyers seeking a comfortable and stylish home in a sought-after location. Don't miss your chance to make 4790 Michael Lane your own and start living the coastal lifestyle you've always dreamed of.
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Our Executive Mortgage Banker:
Our Insurance Division:
$850,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $680,000 | $680,000 | $680,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.362% | 6.385% | 6.223% |
| Monthly Tax Payment | $535 | $535 | $535 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,077 | $4,187 | $5,738 |
| Total Monthly Payment | $4,704 | $4,814 | $6,365 |
* 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.