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Under contract-accepting backup offers. Seller motivated $10k towards buyer closing costs and prepaids Siena Reserve Community is located in beautiful, charming St. Cloud, FL. With affordable HOA and NO CDD fees, this picturesque community is surrounded by wetlands and ponds providing peaceful tranquility. If you love the pleasures of hometown living and being minutes from Florida Turnpike and Highway 192, and only a short 15 min drive from Lake Nona - Siena Reserve is the perfect place for you! And when you're ready to sit back and let yourself be pampered, take a dip in Siena's resort-style pool, and relax in the shade of its cabana. Community as includes a Dog park. Welcome to this beautiful home built in 2022. This is the Lynn Haven Floor Plan from Ryan Homes. This beautiful home offers spacious living with a functional design, ideal for a growing family or anyone looking for a comfortable and inviting home. This Lynn Haven Plan is a comfortable 4 bed, 2. 5 bath, home with loft, first floor flex room and extended lanai. This home is a gorgeous two-story layout. Starting from the entry, you see the closed-out flex room with double French Doors to your right and pass though the foyer opening into the large great room with a family room on the left which includes a built-in entertainment center and the kitchen and dining combo on the right. Sliding glass doors off the family room lead to extended covered lanai (with 2 fans), perfect for entertaining or enjoying cool evenings. Extended Lanai also has rough in plumbing installed if you would like to add later on a built-in kitchen/BBQ. Home is on a premium lot, so you get that big backyard as well. The kitchen is upgraded to a gourmet/chef kitchen which includes double ovens, built in wine fridge, large island, ample storage, and a walk-in pantry. Upstairs is a true oasis. The large loft at the top of the stairs offers a respite from the day. There are three large bedrooms and bath as well as a convenient laundry room which include washer and dryer and has been upgraded with built in cabinets and shelves. The Owner's Suite is massive with 2 walk-in closets and en suite bath with a linen closet and dual sinks. The shower has a roman style seat. The home also has a full front porch, iron and wood railing on stairs, high end finishes, GE appliances, WIFI-enabled garage opener, NEST smart thermostat, Ring doorbell, alarm sensors on all windows and doors and cameras in the front and back, most rooms have TV wall mounting installed and seller is willing to sell most installed TVs if interested.
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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 | $415,992 | $415,992 | $415,992 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.058% | 7.050% | 6.152% |
Monthly Tax Payment | $489 | $489 | $489 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,629 | $2,733 | $3,482 |
Total Monthly Payment | $3,210 | $3,314 | $4,063 |
* 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.