This beautiful three season waterfront cottage on Stone Bridge Pond was built in 1930 and is located in Stephentown NY, Rensselaer County. Overview: Private road access featuring 4 very private acres directly facing the water with a 400 ft. full view and deeded water access for swimming, fishing, and use of non-motorized watercraft with over 100 acres available for hiking access. The property is easily accessible to the greater New York Capital District, and other MA and NY suburban markets. The property offers very close access to areas such as Jiminy Peak, Tanglewood, Historic Lenox, Williamstown, Saratoga, Mt. Greylock, several wineries, and of course the Berkshire Mountains. The property has been fully renovated, Interior and Exterior, as well as newly furnished in cozy cottage decor. The property is being sold fully-furnished including all appliances and turn-key amenities if rented as a vacation property. In addition, included with the property is a John Deere lawn tractor, chain saw, blower, weed thatcher and other miscellaneous tools. Description: The structure is wood frame with a metal roof and measures 756 sq. ft. with an additional 192 sq. ft. deck. There are two points of entry and exit. The interior includes a completely enclosed porch with above storage, an open gathering room, 2 bedrooms, kitchen, bathroom, utility closet, and large storage closet. Heating includes a floor to ceiling wood burning fireplace, with 4 electric zone baseboard heaters with thermostats, an electric hot water heater, dedicated well water and septic system. A circular driveway provides plenty of parking and open expansion space for a garage, recreational equipment, etc. Taxes are $2386 including county and school. Annual homeowner insurance costs are $450. There is no HOA, and the deed has no restricting provisions.
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William Raveis Real Estate
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VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.Alvarez@Raveis.com
NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $191,040 | $191,040 | $191,040 |
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 | N/A | N/A | N/A |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,161 | $1,161 | $1,510 |
Total Monthly Payment | $1,236 | $1,236 | $1,585 |
* 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.