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Welcome to VALENCIA LAKES—where EVERY DAY feels like a vacation! This stunning waterfront residence offers 2 bedrooms, 2. 5 baths, plus a versatile office/study/den, and is perfectly designed for enjoying the next exciting chapter of life in one of Tampa Bay’s premier 55+ resort-style communities. VERY LOW HOA, NO CDD, and NO FLOOD ZONE! From the moment you arrive, you’ll appreciate the pride of ownership in this impeccably maintained home, gently enjoyed only a few months each year and NEVER tenant-occupied. THIS HOME HAS A CLEAN 4-POINT (happy to share)! This lovely home passed the Roof, HVAC, Plumbing, and Electrical inspections last week, and is ready for you to obtain insurance and move in! Inside, the thoughtfully designed open floor plan is filled with natural light and elevated by elegant architectural details, including crown molding, tray ceilings, and custom plantation shutters throughout. Spacious living and dining areas flow seamlessly into the kitchen, creating the perfect setting for entertaining family and friends or simply relaxing in comfort. Step outside to the oversized screened lanai and take in peaceful waterfront views—an ideal backdrop for morning coffee, afternoon reading, or evening sunsets with guests. The additional office/den provides the flexibility for a home office, hobby room, or extra guest space. Recent major updates provide exceptional value and peace of mind, including HVAC (2021), Water Heater (2025), Exterior Paint (2025), Full Interior Paint (2026), plus newer appliances, and a Culligan high-efficiency water softener system. This home is spotless, solid, and truly move-in ready. Living in Valencia Lakes means embracing a vibrant resort lifestyle with world-class amenities, gated entry, and a spectacular clubhouse, along with resort and lap pools, a fitness center, tennis and pickleball courts, scenic walking trails, and countless clubs, events, and social activities. Conveniently located near shopping, dining, medical facilities, and offering easy access to Tampa, Orlando, and Florida’s breathtaking Gulf Coast beaches, this community has it all. Beautifully maintained, competitively priced, and situated on a premium waterfront lot, this exceptional home is your opportunity to enjoy the very best of Florida living. Some photos have been virtually staged.
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:
$399,000
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 |
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|---|---|---|---|
| Loan Amount | $319,200 | $319,200 | $319,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.887% | 6.078% |
| Monthly Tax Payment | $662 | $662 | $662 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,965 | $2,044 | $2,672 |
| Total Monthly Payment | $2,702 | $2,781 | $3,409 |
* 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.