Spend more time living and less on maintenance with this sweet, updated 24x32’ cottage in Vermont’s tranquil Northeast Kingdom. Set on 10. 3 open and wooded acres on a dead-end road, you’ll feel a sense of ease as you pull into the driveway. Originally built in 1980, the 2-bedroom 768-square-foot cottage has undergone major renovations in the past several years to increase efficiency, polish the interior, and to up the home’s curb appeal. Pine tongue-and-groove walls and ceilings offer a cabin feel in the 32x15’ great room, which is offset by a sheetrocked accent wall, new laminate flooring, pristine gray cabinetry, and stainless appliances. During the day, you’ll enjoy the local mountain views outside the many replacement windows, while evenings can be spent around the glow from the glass-front Vermont Castings wood stove. The bedrooms feature new flooring and closets, and the bath has been fully renovated to include a new tub/shower, vanity, light fans, flooring, and an LG washer/dryer. Outside, the porch and deck were power washed and sealed, a new driveway was put in, a fenced-in organic garden was created, and in 2022, architectural asphalt shingles were installed. Mechanical updates include Pex plumbing and shut-off valves throughout, installation of an 18k BTU Mitsubishi Ductless HVAC unit, 6. 885KW rooftop solar array, WiFi-enabled thermostat controls, and broadband high-speed internet. This move-in ready cottage won’t last long, so don’t wait before coming to see it.
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Our Executive Mortgage Banker:
Our Insurance Division:
$270,000
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 | $216,000 | $216,000 | $216,000 |
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 | $213 | $213 | $213 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,312 | $1,294 | $1,707 |
Total Monthly Payment | $1,600 | $1,582 | $1,995 |
* 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.