|
Seller offering 3% concession to Buyer's Closing Costs with full price offer!!! Welcome to this beautifully renovated 1925 home located on a quiet corner in the peaceful community of East Palatka. Blending timeless character with modern upgrades, this 3-bedroom, 2-bathroom residence offers the charm of historic construction with the confidence of major recent improvements.
Inside, the home has been completely refreshed and move-in ready, featuring brand new luxury vinyl plank flooring throughout, fresh interior and exterior paint, and an inviting layout filled with natural light. Major systems have already been addressed for peace of mind, including a brand new roof and new electrical panel, helping ensure years of worry-free ownership.
One of the most appealing aspects of this property is its low cost of ownership. There is no HOA and no CDD, and the home is serviced by a brand new well pump and recently pumped septic system, meaning no monthly water or sewer bills. With only electricity and trash pickup to cover, this property offers a rare opportunity to enjoy homeownership without the burden of multiple recurring fees.
Step outside and you'll immediately appreciate the home's classic wraparound porch, perfect for relaxing mornings or unwinding in the evening breeze. The spacious backyard provides plenty of room for outdoor living, gardening, pets, or entertaining. Located less than a quarter mile from the scenic St. Johns River, you can open the windows and enjoy the refreshing river air that makes this area so special.
Situated in a quiet and established neighborhood, this property offers both privacy and convenience while still being close to everything the Palatka area has to offer.
If you've been searching for a move-in ready home with character, major upgrades already completed, and minimal ongoing expenses, this East Palatka gem is one you won't want to miss.
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:
$239,000
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $191,200 | $191,200 | $191,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.628% | 5.866% |
| Monthly Tax Payment | $64 | $64 | $64 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,145 | $1,207 | $1,575 |
| Total Monthly Payment | $1,284 | $1,346 | $1,714 |
* 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.