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Why wait to build when you can move right into a home that’s already been loved, upgraded, and practically wrapped in bubble wrap for you? Welcome to 3216 Birch Tree Ln, tucked away on a quiet street in the premier gated 55+ active-adult community of Cascades. Built in 2016, this isn’t a cookie-cutter floor plan. While most homes here offer 3 bedrooms and a den, this one has 4 true bedrooms and 2 full baths across 2, 090 sf of beautifully maintained living space. Finally, a home where you can host the family for the holidays without having to convert your office into a makeshift bedroom or blow up an air mattress! Speaking of the bedroom/office, there are no photos of this room but you can see it on the floor plan. And the sellers are handing over $750 at closing to replace the carpeting in that room. You're welcome! Step out back and prepare to relax. The owners have poured over $123, 000 in premium post-build upgrades into this property. You get a private, landscaped preserve lot with perfect eastern exposure, meaning gorgeous morning sunrises and absolutely no baking in the brutal, hot western afternoon sun. The backyard is a full-blown private resort featuring a heated saltwater pool, integrated spa and extended 1200 sf screened pool deck and cage ($65k, 2018) all surrounded by lush, custom upgraded landscaping ($15k). Storm season anxiety? Not here. This home is a fortress. Lower your motorized Storm Smart hurricane screen ($5k), over the lanai with the touch of a button, slide shut your high-wind accordion shutters on all the windows ($4k, 2025), and rest easy knowing a heavy-duty Generac 17, 500-watt portable generator could stay with the house and is hard-wired right into your panel ($6. 5k total, 2023). Power outage? A minor inconvenience. Inside, you'll love the extended kitchen cabinetry, travertine marble backsplash and beautifully remodeled bathrooms ($15k, 2021). Newer carpeting ($2. 5k, 2024) and modern interior can lighting is already installed ($1k, 2024). Even the exterior got a glow-up with a widened paver driveway for easier and extra parking ($3. 4k, 2023) and fresh exterior paint ($6k, 2025). This home is perfect for full-time residents or seasonal snowbirds. Because the HOA handles all your lawn care, cable, internet, and gate security, this is the ultimate "lock-and-leave" property. You can pack your bags, head out to nearby Fort Myers, the Gulf beaches, or catch a flight out of RSW airport, knowing everything at home is completely taken care of. Best of all, your HOA fees score you dual-amenity privileges. Spend your peaceful weekdays at the private 5, 000-sq-ft Cascades Amenity Center playing pickleball, tennis, or bocce. Then, live it up on the weekend at the massive 14K sq-ft River Hall Town Hall Center featuring a giant lagoon-style resort pool, poolside bar and restaurant. This home comes mostly furnished, heavily upgraded, and ready for you to live your best Florida life. Schedule a tour before someone else beats you to it!
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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 |
|
|---|---|---|---|
| Loan Amount | $375,920 | $375,920 | $375,920 |
| 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 | $477 | $477 | $477 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,251 | $2,374 | $3,122 |
| Total Monthly Payment | $2,803 | $2,926 | $3,674 |
* 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.