Cute 1950 Cape in a great St Albans City location! Enter off the driveway into the separate mudroom, perfect for holding all your shoes and outdoor gear. The large kitchen overlooks the front yard, and separate dining space leading to the back deck for indoor/outdoor living. Hardwood floors on the main level. The first floor features a good-sized primary bedroom, and full bath. Upstairs, find a 3/4 bath, two bedrooms, and even a cedar closet in the hall. Bedroom built-ins offer add to the home's character and functionality. Newer flooring and vanities in both bathrooms. Use the huge basement for storage, or to expand the living space. Fantastic flat backyard for gardening and room to play! This home has been loved by its current family and is ready for the next owner to make it their own! Close to Downtown St Albans, 5 mins to I-89 or hospital.
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Our Executive Mortgage Banker:
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$290,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
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 | $232,000 | $232,000 | $232,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 5.990% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.470% | 6.161% | 5.248% |
Monthly Tax Payment | $450 | $450 | $450 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,410 | $1,389 | $1,833 |
Total Monthly Payment | $1,935 | $1,914 | $2,358 |
* 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.