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Presented by![]() Pam Mandelburg |
Downsizing or looking for that first home that won't break your budget? This lovely 2 Bedroom, 2 Bath, 1-car Garage maintenance-free villa is waiting for you in the golf course community of Lake Bernadette in Zephyrhills. When you walk into the home, your vision is taken to the view outside the lanai. The outdoor space has been beautifully landscaped and is a natural oasis to enjoy while sitting on the screened lanai enjoying whatever your favorite beverage is. Now let’s return to the inside of the home. The kitchen with an eat-in space overlooks the combination great room/dining area which like all rooms in this home is very roomy. All living areas have laminate floors with ceramic tile in the kitchen and baths. There is no carpet in this home. The primary bedroom overlooks the beautiful backyard and has a walk-in closet and en suite bath with dual sinks and walk-in shower, no tub. The 2nd bedroom and bath have privacy at the front of the home. New roof in 2025. Current roof is only 9 years old, but the HOA is replacing the roofs in Augusta Link this summer. Hot water heater is one year old. The key to this home though is its location in the cul-de-sac. On the south side of the home there is a large open space with no neighbors and flows around to the beautiful backyard. The community provides many amenities to enjoy. The clubhouse with fitness center was renovated about two years ago. There are two pools (one is heated), park, playground, pickleball, basketball and tennis courts. The HOA fee for the villas includes roof replacement, exterior painting, lawnmowing, trash, and reclaimed water irrigation system. Close to all the new commercial growth in Zephyrhills and a short drive to Wesley Chapel where there is a lot of shopping and restaurant growth.
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Our Executive Mortgage Banker:
Our Insurance Division:
$260,000
Sales Associate
William Raveis Real Estate
Phone: 860.984.5886
Pam.Mandelburg@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 860.625.5780
Brianna.Turgeon@raveis.com
NMLS Mortgage Loan Originator ID 2104486
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $208,000 | $208,000 | $208,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.250% | 6.875% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.944% | 7.025% | 6.046% |
Monthly Tax Payment | $374 | $374 | $374 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,281 | $1,366 | $1,727 |
Total Monthly Payment | $1,730 | $1,815 | $2,176 |
* 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.