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Welcome to your ideal waterfront retreat in Bartow’s premier 55+ Floral Lakes community! Situated directly on Boca Cove, this move-in-ready 2-bedroom, 2-bathroom manufactured home offers the ultimate perk of true land ownership, meaning you own your land with no lot rent and low monthly HOA fees. Built for comfort and efficiency, the home features energy-saving double-paned windows and sliding doors, a newer A/C unit, and a durable metal roof. Inside, the heart of the home is a spacious kitchen equipped with an island cooktop, built-in oven, dishwasher, a handy breakfast bar, and plenty of cabinetry for all your pantry needs. A separate dining area features a built-in lighted china hutch, flowing naturally into a large living room where sliding glass doors open directly into a comfortable, air conditioned enclosed Florida room.
Designed with a desirable split-bedroom layout for maximum privacy, the primary suite serves as a peaceful escape, boasting its own sliding glass door to the Florida room, double vanities, double linen closets, and a fiberglass shower. On the opposite side of the home, the second bedroom features an oversized walk-in closet and en suite access to the guest bathroom, which includes a large vanity and a classic tub/shower combo. Conveniently located just off the kitchen, the dedicated laundry area comes complete with a utility tub, washer, and dryer. Outside, the property is highly accessible, featuring a double carport equipped with a wheelchair lift for easy entry, a functional workshop/storage room, and an additional screened storage area tucked away in the rear.
The standout feature of this property is the spacious private wooden dock out back, giving you the perfect spot to fish Boca Cove or park your boat right at home. Located in the heart of Central Florida between Tampa and Orlando, this golf-cart-friendly neighborhood places you just minutes from the Bartow Civic Center, Bartow Public Library, and Mary Holland Park. Residents of Floral Lakes enjoy a vibrant, active lifestyle with access to a clubhouse, a large heated swimming pool, a putting green, shuffleboard courts, a stocked community pond, and a boat ramp, alongside a packed calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss this exceptional waterfront opportunity—call your Realtor today to schedule your private showing!
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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 | $143,920 | $143,920 | $143,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.279% | 6.650% | 5.992% |
| Monthly Tax Payment | $240 | $240 | $240 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $874 | $910 | $1,195 |
| Total Monthly Payment | $1,189 | $1,225 | $1,510 |
* 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.