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KOLTER Homes – IVY Model | WATER VIEW | 3-Car Garage. Built in 2018 with solid block construction, this beautifully maintained 2-bedroom, 2-bath single-family home is nestled in the vibrant 55+ active adult community of Victoria Gardens in DeLand. Only lived in a few months a year. Enjoy resort-style living in a secure, amenity-rich environment. Boasting excellent curb appeal, the home features a paver driveway, manicured landscaping, and a welcoming covered front porch. Inside, the open floor plan blends functionality with elegant design. A spacious flex room—ideal as a den, study, or potential third bedroom—adds great versatility. The formal dining space is filled with natural light and situated adjacent to both the kitchen and living room, creating a seamless flow for entertaining. The living room opens to an extended paver lanai with a tranquil water view, perfect for relaxing or hosting guests. The thoughtfully designed kitchen includes granite countertops, a breakfast bar, custom shelving, a closet pantry, and a roomy dinette area. Wake up to serene sunrises in the primary suite, which overlooks the water feature. The spacious primary bath offers a walk-in shower with bench seating, dual vanities, a private water closet with swinging doors and a urinal, and a large walk-in closet with built-in shelving. Split floor plan for privacy. The Guest Bedroom is welcoming and has a guest hall bath. Washer, Dryer convey and the utility room offers access to the fantastic 3 car GARAGE. Beautiful Epoxy floors, a mini split for comfort and loft style storage racks complete the garage. Additional features include wood look tile throughout, elegant wood shutters on all windows, a motorized retractable hurricane screen and shade screens on the lanai, a rock garden with a relaxing water fountain, and In-Wall Pest control system. Victoria Gardens residents enjoy exclusive access to a resort-style pool, hot tub, tennis and pickleball courts, a fitness center, on-site restaurant, community rooms for cards, crafts, and exercise, and numerous walking trails. The HOA covers cable, internet, lawn maintenance, and reclaimed water for irrigation. Conveniently located just 15 minutes from historic downtown DeLand, where you can explore the Athens theater, restaurants, and museums. Close to Stetson University. Easy access to I-4, Beaches, Orlando, and popular theme parks. Welcome to your Florida lifestyle!
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Our Executive Mortgage Banker:
Our Insurance Division:
$449,900
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 | $359,920 | $359,920 | $359,920 |
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 | 7.019% | 7.050% | 6.152% |
Monthly Tax Payment | $297 | $297 | $297 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,245 | $2,364 | $3,013 |
Total Monthly Payment | $2,617 | $2,736 | $3,385 |
* 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.