Cute house in heart of Adamant Village with frontage on Sodom Pond. Large back yard with brook as border and access to pond beyond. Kayak from your back yard and explore the beauty and wildlife of the pond through the changing seasons. Great natural light and views of marsh and pond. House has rustic mud room and attached shop/studio space. Kitchens set up both upstairs and downstairs. Ground floor has recently been used as a physical therapy office by seller with upstairs rented as apartment. Live upstairs and set up your home office or shop downstairs, rent one floor and live in the other and have tenant pay your mortgage, or turn the house back into a single family home and enjoy the peaceful, easy living in the village of Adamant. Currently set up with 2BR's but 3BR according to town and simple to add 3rd BR. Walk 150' to Adamant Coop, the longest continuously operating food coop in the U. S. and stock up on whatever you need. Drive 15 minutes to downtown Montpelier for all it has to offer. Go for a swim 300' away in the Adamant Pond or bike/drive to one of the wonderful ponds or lakes in the area. Get to know the community by attending one of the Friday Adamant Coop dinners or get involved in the yearly Black Fly Festival. Adamant also has a world renowned music school and community theater company so lots going on in this quiet little village. Come check out this cute affordable home in Adamant and become part of this active and vibrant Vermont community.
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NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $220,000 | $220,000 | $220,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.512% | 6.273% | 5.248% |
Monthly Tax Payment | $194 | $194 | $194 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,373 | $1,337 | $1,739 |
Total Monthly Payment | $1,642 | $1,606 | $2,008 |
* 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.