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Welcome to EASY FLORIDA LIVING in The Lakes, a sought-after, pet-friendly, 55+ community of 172 single-family homes PERFECTLY POSITIONED between Clearwater and St. Petersburg with easy access to US Highway 19, Interstate I275, shopping, restaurants, and entertainment. This charming 2-bedroom, 1-bath residence offers 935 square feet of thoughtfully designed living space with an OPEN FLOOR PLAN that feels bright, spacious, and inviting, and it sits on a private, over-sized lot. The kitchen boasts white shaker cabinets, natural stone counters, and new appliances. A BONUS DEN provides additional flexible living space perfect for a second living room, home office, hobby room, or reading retreat, while the ENCLOSED FLORIDA ROOM offers even more flexibility. Enjoy the outdoors from indoors in this peaceful and relaxing bonus space. The home has been EXTENSIVELY UPDATED since 2021, allowing the next owner to move in with confidence. Recent improvements include a NEW HVAC system, NEW WATER HEATER, washer, dryer, range, microwave, gutters, fascia, soffits, flat roof, and garage door opener. The Lakes is known for its strong sense of community, low HOA fees, and excellent financial health, with a recent reserve study confirming the strength of the association’s reserve funds. The very low HOA dues of just $305 per month includes water, sewer, trash pick up, cable service, wifi internet service, lawn maintenance, irrigation, club house, and pool, making ownership both convenient and affordable. Residents enjoy all that the clubhouse has to offer, including a full kitchen, meeting rooms, library, card room, billiards, shuffleboard, a raised stage area for community events, and a sparkling pool with patio area. HVAC 2023, WATER HEATER 2021, FLAT ROOF 2024, WASHER / DRYER 2023. RANGE 2021. GARAGE DOOR OPENER 2024. WINDOWS 2015. Whether you are looking for a year-round residence or a seasonal getaway, this well-maintained home offers the perfect combination of COMFORT, VALUE, AND ACTIVE LIFESTYLE in one of Clearwater’s most desirable 55+ communities.
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:
$265,000
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 | $212,000 | $212,000 | $212,000 |
| 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 | 6.358% | 6.640% | 5.952% |
| Monthly Tax Payment | $259 | $259 | $259 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,270 | $1,339 | $1,760 |
| Total Monthly Payment | $1,604 | $1,673 | $2,094 |
* 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.