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Welcome to Spencer Creek Woods, a charming sidewalk-lined community ideally situated near major roadways, restaurants, and shopping! This spacious corner-lot home offers curb appeal with lush landscaping, an oversized driveway, and an attached 2-car garage. Step inside to soaring 18-foot ceilings in the entryway and living room, creating a light-filled, airy atmosphere that instantly feels like home. The open layout features warm wood floors, a grand staircase, and a well-appointed kitchen with granite countertops, recessed lighting, a gas range, and a pantry for ample storage. Upstairs, the generous primary suite boasts a tray ceiling, walk-in closet, and a spa-like ensuite with dual vanities, a soaking tub, and a separate shower. The additional bedrooms are spacious and share a full hall bath. What truly sets this home apart is the whole-home water purification system, a $10, 000 upgrade installed less than a year ago, providing purified water throughout the house. With an acceptable offer, the sellers will pay off the system at closing and convey it with the homeoffering peace of mind and added value. Don't miss the chance to make this bright, beautiful home your own in one of the most convenient spots around!
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $277,600 | $277,600 | $277,600 |
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% | 7.063% | 6.152% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,755 | $1,824 | $2,324 |
Total Monthly Payment | $1,830 | $1,899 | $2,399 |
* 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.