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Seller is offering closing cost credits to qualified buyers and additional credit for offers submitted by July 15. Please call Listing agent for details. This is an excellent opportunity to reduce your upfront expenses and keep more cash in your pocket. Contact the listing agent for details and qualification requirements.
Walk to Palm Harbor University High School and enjoy being just minutes from Ozona, Crystal Beach, downtown Palm Harbor, and Honeymoon Island in this move-in ready 3-bedroom, 2. 5-bath home offering the perfect blend of convenience, flexibility, and Florida coastal living.
Situated on an oversized lot in a highly desirable non-flood Zone X with no HOA, this property offers rare freedom with secure boat and toy parking behind a double gate, expanded concrete parking, and room to grow.
Major upgrades provide peace of mind, including a new roof (2019), new A/C (2023), fresh interior paint, updated bathrooms, newer appliances, updated lighting, and ceramic tile flooring throughout. The open-concept kitchen and family room create a bright, inviting space ideal for entertaining, featuring granite countertops, solid wood cabinetry, and seamless flow into the main living areas.
A versatile bonus space just off the kitchen offers endless possibilities for a home office, study, playroom, or additional lounge area.
Step outside to your private vinyl-fenced backyard with a spacious patio, an extended concrete pad with electrical already in place for a future hot tub, and a designated pre-plumbed water and sewer connection for a future shed, workshop, or man cave.
With top-rated schools, no flood insurance required, no HOA restrictions, oversized parking, and close access to some of Pinellas County’s most desirable coastal destinations, this home offers a rare combination of location, lifestyle, and long-term value.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$455,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $364,000 | $364,000 | $364,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $367 | $367 | $367 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,212 | $2,298 | $3,023 |
| Total Monthly Payment | $2,654 | $2,740 | $3,465 |
* 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.