Noel purchases a house and gets a $30-$year mortgage for $$245,000$ at $5\mathrm{.}25\%$ APR. In addition to the monthly payment, the lender requires him to pay into an escrow account for the homeowners insurance and property tax. His homeowners insurance is $$1000$ per year and the property tax is $$1500$ per year. Determine the monthly payment to the lender that includes the insurance and property tax. Round your answer to the nearest cent