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Tired of finding the perfect new construction home only to realize you’re still responsible for the fence, the window treatments, the ceiling fans, the landscaping, and all the other expenses that somehow show up after closing? You’re not alone. For many buyers, it’s not the purchase price that becomes overwhelming. It’s the realization that moving in is only the beginning. This Ryan Homes Mahogany model in Sumter Villas offers the best part of buying newer construction without many of the headaches that often come with it. Situated along the southern edge of the community, just a few homes from the south entrance, this property sits on a larger homesite than many of the original builds and features a fully fenced backyard with no rear neighbors. A rare double-gated access point from the paved road behind the property also makes boat or trailer parking far easier than many neighborhood homes can accommodate. The result is a backyard that feels more functional, more private, and more usable than many buyers expect to find in a subdivision setting. Go ahead and let the dog out. Inside, the home presents like new. A custom board-and-batten accented entryway leads to three bedrooms, two bathrooms, and an open-concept living space designed for everyday life. Natural light fills the home, while upgraded fixtures, ceiling fans, window treatments, established landscaping, and a finished garage help separate this property from a standard builder package. The kitchen serves as the heart of the home with white cabinetry, granite countertops, stainless steel appliances, a walk-in pantry, and a large center island overlooking the living and dining areas. The primary bedroom is generously sized and enjoys views of the fenced backyard. At Sumter Villas, residents enjoy a community pool, clubhouse, dog park, sidewalks, and a low HOA without the added burden of a CDD. Conveniently located near The Villages and Middleton, you’ll have easy access to shopping, dining, schools, medical facilities, employment centers, and everyday conveniences. Perhaps the biggest surprise about this home is what’s missing. No construction delays. No upgrade decisions. No waiting on contractors. No spending months finishing what the builder started. Instead, you’ll find a newer home where the upgrades are already complete, the backyard is already fenced, and your weekends can be spent enjoying your home rather than working on it. This is the kind of home buyers hope to find when they start their search: newer construction, move-in ready condition, privacy where it matters, and improvements already completed. Owner occupied and shown by appointment only, but very easy to see. If this sounds like the solution you’ve been looking for, come see it for yourself.
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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 | $252,000 | $252,000 | $252,000 |
| 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 | $333 | $333 | $333 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,531 | $1,591 | $2,093 |
| Total Monthly Payment | $1,939 | $1,999 | $2,501 |
* 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.