This is your opportunity to make this updated 2 bedroom, 2 bath home yours! Located in the rural community of Ridge Harbor this home is nestled amongst stately oak trees and has private fenced back yard. With over 1600 square feet of living space, great room, dining room, spacious kitchen, and family room, this home offers bright and open floor plan. Tastefully appointed with stunning stone front wood burning fireplace in the family room, tile and blinds throughout, color accent walls, decorator light and fan fixtures, and updated bathrooms. The kitchen boasts granite counters, new wood cabinetry, stainless appliances including 3 door fridge, decorative tray ceiling, and pass-through window to lanai for easy entertaining. Master suite has a walk-in closet and en suite bath with custom tiled walk-in shower. As an added bonus the spacious family room has stone front wood burning fireplace and built in desk. There is also a closet in this room. So you could convert this room into a third bedroom. Other features include brand new roof and new flooring in bedrooms. You will spend most of your leisure time relaxing on your screened lanai overlooking your park like, private fenced back yard. Ridge Harbor offers access to the community boat ramp on Shell Creek for a small annual fee. And the best part is the location. You can enjoy other local waterways, local beaches, dining, shopping, and golf courses that make this area so special. You can also explore the waterfront public parks with bike and walking trails, pickle ball parks, picnic areas, and boat ramps that give you access to the Peace and Myakka Rivers, beautiful Charlotte Harbor, and the blue waters of the Gulf of Mexico. You are minutes to historic downtown Punta Gorda and popular Fishermen's village with quaint shops and cafes. And easy access to Interstate 75 with Sarasota and Tampa to the North and Fort Myers and Naples to the South. Great home in a quiet rural neighborhood.
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Our Executive Mortgage Banker:
Our Insurance Division:
$285,000
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
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $228,000 | $228,000 | $228,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.760% | 7.042% | 6.160% |
Monthly Tax Payment | $226 | $226 | $226 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,575 | $1,498 | $1,909 |
Total Monthly Payment | $1,876 | $1,799 | $2,210 |
* 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.