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Have the home of your dreams without spending additional renovation expenses and immerse yourself in this 1920s cottage home. Its many original features, including heart-pine flooring and Coquina brick, beautifully blend with modern conveniences like stainless steel appliances and LVP kitchen flooring. Sit on the enclosed front porch with cool AC in the summer and be protected from those mosquito bites! The house features a spacious living-dining area with a fireplace. The updated kitchen has solid wood cabinets and an induction electric range. There are two Trex decks to enjoy your morning coffee and relax in your large backyard oasis with new privacy fencing (2024). Take care of your prized vehicles in the detached, 2-car garage, or convert it into an ADU or artist studio. Don't stress about termites because this home is treated with Centricon and fumigated for DryWood termites. One-year warranty included. The home's location in Historic Kenwood has easy access to US 19 and I275, so you can easily travel across the Skyway or Howard Franklin Bridge to TIA Airport. Minutes to St. Pete-Clearwater Airport, too. Minutes from downtown in your golf cart and short hop to the beaches. This historic home is also in a designated Artist Enclave, home of many artists who live, work, and create in the upper West Side of Historic Kenwood. Never worry about tidal surges and flooding because this rare 1920s bungalow is almost 50 feet above sea level. Utilize the lowest insurance premiums due to the new roof (2025), updated windows with Bahama shutters, and polycarbonate door panels that protect the home. This house should pass all 4-point inspections because of the fully repiped plumbing and updated electricity.
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Our Executive Mortgage Banker:
Our Insurance Division:
$542,750
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 | $434,200 | $434,200 | $434,200 |
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 | $73 | $73 | $73 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,673 | $2,852 | $3,606 |
Total Monthly Payment | $2,838 | $3,017 | $3,771 |
* 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.