Stone Cottage @ Georgiaville Pond Village. Discover the perfect blend of historic charm and modern luxury in this beautifully renovated stone cottage, built in 1813, and nestled along the tranquil Georgiaville Pond in Smithfield, RI. This waterside gem has been thoughtfully updated, preserving period details while offering contemporary comforts. The first floor features a bright, open layout with versatile spaces designed to suit any lifestyle. The welcoming front entry leads to a fully renovated kitchen, seamlessly connected to a spacious living room and dining area anchored by a cozy fireplace. An oversized home office wing, complete with separate workspaces, overlooks the expansive, fenced-in yard, offering both comfort and productivity. Upstairs, the second floor includes three generously sized bedrooms, a full bathroom, and a bonus flex space, with walk-out access to a stunning outdoor deck and stone patio. Here, you'll enjoy stunning panoramic views of Georgiaville Pond. Launch a kayak, canoe, or paddleboard for a serene experience on the water, with a charming town beach just a short walk away. This property is a rare find offering the peacefulness of lakeside living with modern conveniences. An absolute gem!
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Our Executive Mortgage Banker:
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$489,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 401.474.4879
Whitney.Rugg@raveis.com
NMLS Mortgage Loan Originator ID 7654
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $391,200 | $391,200 | $391,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.483% | 6.273% | 5.268% |
Monthly Tax Payment | $346 | $346 | $346 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,377 | $2,377 | $3,092 |
Total Monthly Payment | $2,798 | $2,798 | $3,513 |
* 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.