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This adorable bungalow in the heart of Old Palm Harbor is full of charm and potential, ready to become the home you’ve been searching for and with a little vision this delightful bungalow exudes warmth and character, offering the perfect blend of vintage charm and modern convenience. A spacious primary suite addition serves as a peaceful retreat, featuring a generous sized bedroom, huge bedroom sized walk-in closet and an en-suite bath with a large walk-in shower and dual vanities. The inviting living room, complete with a cozy fireplace, sets the tone for relaxed evenings, while the updated kitchen boasts classic shaker style cabinetry, granite countertops, and stainless-steel appliances, making it both charming and functional. A separate family room offers additional space and can easily double as a third bedroom, providing versatility for your needs. Step outside to discover a screened-in porch and two additional patios/decks, perfect for sipping morning coffee or hosting family gatherings. A separate 400 + sq ft building in the backyard offers several possibilities with 50 amp electrical service and can also be tied into the nearby main utilities plumbing line. Thoughtfully equipped with a 2023 whole-house solar system in which will be paid in full by the seller, this home enjoys remarkably low electric bills, in addition a 15, 000-watt generator ensures uninterrupted comfort during storms. With an AC system replaced in 2021, a roof updated in 2015, and double-pane windows and doors added the same year, this home is as practical as it is charming. Home is located in the outstanding Palm Harbor School district featuring Palm Harbor University High School, Palm Harbor Middle school and Ozona Elementary. Home is in a no flood zone and non-evacuation zone. No issues from the recent hurricanes. Nestled on a quiet street that's golf cart friendly yet just minutes from Historical downtown Palm Harbor, local shops, cozy cafés, and the beautiful Gulf beaches, this bungalow can be the perfect place to call home. Schedule your tour today and experience the warmth and possibilities for yourself.
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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 | $383,920 | $383,920 | $383,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.007% | 7.037% | 6.152% |
Monthly Tax Payment | $90 | $90 | $90 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,395 | $2,522 | $3,214 |
Total Monthly Payment | $2,560 | $2,687 | $3,379 |
* 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.