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One or more photo(s) has been virtually staged. In the guard-gated community of Spruce Creek Fly-In, this single-story condominium offers over 1, 700 square feet of living space, featuring three bedrooms and two full baths. The welcoming private walk-up entrance leads into a light-filled interior with tiled social areas that flow effortlessly from the foyer. With vaulted ceilings, skylights and convenient access to the patio, the spacious living and dining spaces create an open, airy atmosphere ideal for gatherings. The eat-in kitchen is outfitted with granite countertops, ample cabinetry, a pantry and a built-in breakfast table with storage, also finished with granite; a sun tunnel adds extra natural light. The primary suite offers a walk-in closet, additional closet space, a dressing area, two vanities, a walk-in shower and sliding doors to the patio. The screened and covered patio overlooks the garden and gazebo. The attached two-car garage has an epoxy floor, storage cabinets, a utility sink and garage door screens. This home is within the Woodside condominium complex, where the monthly condominium fee covers building insurance, lawn care, yard sprinklers, roof replacement, exterior painting, most exterior repairs and a private pool reserved for Woodside residents and their guests. The quality of life in the Spruce Creek Fly-In community is unmatched, providing a wide range of activities for its residents. They enjoy numerous amenities, including private golf-car-friendly streets, parks, a playground and access to Spruce Creek Waterway for fishing or using canoes and kayaks. Onsite management, 24-hour security, a public restaurant, a hair salon and various business services are available within the community. The optional country club offers several membership tiers that include golf, pickleball, tennis, fitness facilities, a pool and a private restaurant and bar. For aviation enthusiasts, there is a private 4, 000-foot paved runway equipped with a GPS approach, paved taxiways and aviation services. The community’s prime location ensures easy access to local shopping, dining and entertainment. An annual main association fee is required in addition to the condominium fee. The roof was replaced in 2019; the water heater is dated 2018 and the HVAC is dated 2014. All measurements are approximate.
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RVP, Mortgage Banker
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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 | $279,200 | $279,200 | $279,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.133% | 6.739% | 5.952% |
| Monthly Tax Payment | $191 | $191 | $191 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,607 | $1,788 | $2,319 |
| Total Monthly Payment | $1,873 | $2,054 | $2,585 |
* 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.