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Coming Soon! Welcome home to The Mirabay Coastal Cottage — Discover one of the most affordable opportunities to own in the highly desirable MiraBay community. Built in 2021 and offering modern construction, low-maintenance living, and exceptional value, this beautifully maintained 3-bedroom, 2-bath home with a 2-car garage is the perfect fit for a variety of buyers. Situated on a peaceful greenbelt lot, this 1, 806-square-foot home features a thoughtfully designed floor plan, plantation shutters throughout, and comfortable living spaces ideal for both everyday living and entertaining. At just five years new, you'll enjoy the benefits of newer construction without the wait of building. Whether you're a retiree looking to downsize without sacrificing lifestyle, a family seeking a welcoming community and easy living, or an investor searching for strong long-term rental potential, this home checks all the boxes. One of the standout advantages is the low-maintenance lifestyle. HOA services include landscape maintenance as well as interior and exterior water service, allowing you to spend less time on upkeep and more time enjoying everything MiraBay has to offer. Residents enjoy access to MiraBay's impressive resort-style amenities, including a clubhouse, fitness center, pools, tennis and pickleball courts, parks, walking trails, resident's only boat ramp and a vibrant calendar of community events. Conveniently located near shopping, dining, waterfront recreation, and major commuter routes, this home offers an exceptional blend of comfort, convenience, and community. Don't miss this rare opportunity to own in MiraBay at a price point seldom available in one of Apollo Beach's most sought-after neighborhoods.
SPECIAL REMARKS:
Built in 2021
Water (interior/exterior) included in HOA monthly fee
CDD assessment included in annual tax bill
No flood insurance claim history
Maintenance-free lawn care
Gated community
Resort-style amenities
Greenbelt view
*Listing agent is owner*
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:
$374,000
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 | $299,200 | $299,200 | $299,200 |
| 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% | 5.952% |
| Monthly Tax Payment | $820 | $820 | $820 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,818 | $1,889 | $2,485 |
| Total Monthly Payment | $2,713 | $2,784 | $3,380 |
* 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.