Discover the perfect blend of charm and tranquility in this quant converted cottage on the shores of Philips Pond. With 100 feet of pristine water frontage, you’ll enjoy unparalleled views and a sense of peace that only waterfront living can provide. Step onto the spacious wrap-around deck and soak in the beauty of the lake right from your doorstep. While the interior retains its vintage charm, it presents a wonderful opportunity for customization. The living room offers a cozy retreat with a brick fireplace and large windows that frame breathtaking water views. The main floor’s three-season room invites you to unwind and savor the changing seasons, and has direct access to a small fenced area, perfect for your pets or a private garden. The lower level boasts a 30 foot long screened-in area under the wrap around deck, ideal for enjoying the outdoors in comfort. Practicality meets convenience with a whole house generator ensuring your comfort year-round. Plus, the deed showing two lots of record adds significant value, privacy and potential for future opportunities. This charming cottage on Philips Pond is more than a home; it’s a lifestyle. Whether you’re seeking a peaceful retreat or a picturesque year-round residence, this property promises to deliver. Don’t miss this rare opportunity to own a piece of paradise.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $383,920 | $383,920 | $383,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $611 | $611 | $611 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,554 | $2,522 | $3,238 |
Total Monthly Payment | $3,240 | $3,208 | $3,924 |
* 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.