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Under contract-accepting backup offers. Somewhere between “empty lot” and “move-in ready” is a sweet spot that most buyers never find — but here it is. Most people don’t realize how much it costs to bring a raw piece of land to life — permits, impact fees, a well, septic, power — by the time it’s all said and done, you’re talking serious money before a single wall goes up. This acre in Fort White already has all of that waiting for you. The impact fees are paid. There’s a well on site replaced in 2022, a septic system already in the ground, and electrical service with a brand new utility pole — both updated in 2023. The dirt road leading in is well maintained and the land is mostly cleared, so what you’re looking at is essentially a ready-to-build lot tucked into one of North Florida’s most naturally beautiful pockets. Yes, there’s an old mobile home on the property — it’s seen better days and we’re not pretending otherwise. This is land value, plain and simple, and it’s priced that way. If you’ve been searching for a place to plant roots without burning your budget on infrastructure, this is worth a look.
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Our Executive Mortgage Banker:
Our Insurance Division:
$34,000
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 | $27,200 | $27,200 | $27,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.615% | 5.952% |
| Monthly Tax Payment | $86 | $86 | $86 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $163 | $172 | $226 |
| Total Monthly Payment | $324 | $333 | $387 |
* 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.