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NEW ROOF (2023) NEW HVAC (2022), NEW WATER HEATER (2024), and PROFESSIONALLY CLEANED AIR DUCTS (2024). Welcome to your own private oasis in the Beautiful Gated 55+ Golf Community of SPRUCE CREEK SOUTH, adjacent to THE VILLAGES, Florida and surrounded by everything that makes Central Florida living so desirable. Known for its active lifestyle, friendly atmosphere, and exceptional amenities. Nestled on a desirable CORNER LOT, this meticulously maintained PALM III Model built in 2003 with over 1, 880 square feet under air invites you to enjoy easy Florida living with 2 Bedrooms, 2 Bathrooms, and a BRIGHT FLORIDA ROOM that serves as the perfect space to unwind with your morning coffee, entertain friends, or simply enjoy the sunshine year round. From the moment you step inside, you'll appreciate the SOARING CEILINGS AND NO POPCORN CEILINGS, open and airy feel, and stylish LUXURY VINYL PLANK FLOORING that flows throughout the home. The well-appointed kitchen is designed to please, Featuring newer appliances, NEW DEEP KITCHEN SINK, abundant cabinetry, generous counter space, and an adjacent INSIDE LAUNDRY ROOM for added convenience. Updates include NEW ROOF (2023) NEW HVAC (2022), NEW WATER HEATER (2022), and PROFESSIONALLY CLEANED AIR DUCTS (2022). One of the many highlights of this location is LEGAL GOLF CART ACCESS, allowing you to easily reach nearby shopping, restaurants, banks, medical offices, and top-rated hospitals without ever needing to get in your car. Life in Spruce Creek South feels like a year round vacation. Residents enjoy pickleball, tennis, swimming, bocce ball, scenic walking trails, and an active community center complete with a fitness room, sauna, library, billiards room, craft spaces, games, and an endless variety of clubs and social activities. Golf enthusiasts will especially appreciate the community's popular 18 hole Links Golf Course, offering beautiful fairways just moments from your front door. With convenient access to I-75, exciting day trips, entertainment, and all that Central Florida has to offers are always within easy reach. Discover why so many are proud to call Spruce Creek South home and start living the vibrant Florida lifestyle you've always imagined!
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:
$289,900
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 | $231,920 | $231,920 | $231,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.524% | 5.846% |
| Monthly Tax Payment | $242 | $242 | $242 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,372 | $1,447 | $1,910 |
| Total Monthly Payment | $1,689 | $1,764 | $2,227 |
* 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.