RARE OPPORTUNITY FOR OWNER OCCUPIED OR INVESTMENT 2-FAMILY HOME WITH 4. 23 ACRES AND 30'X50' OUTBUILDING/WORKSHOP IN NORTH SMITHFIELD. 1st unit has 2 levels that has 2 beds, kitchen, full bath, large dining area, and living room on the first floor. 1st unit also includes a large living area, 1/2 bath, primary bed w/large walk-in closet area (that can be converted to a full bath as rough plumbing is already installed) on the second floor of 1st unit. 2nd unit has 2 beds, full bath, pantry, with living room area. Some major updates include 5-bedroom septic system (2021), indirect water heater (2022), boiler (2018). Oversized 2-car garage with own electric panel and heater blower which can be connected to propane. Outbuilding/workshop has heat (propane) and a wood stove, electric and water. Rough plumbing for bathroom. Outside enjoy your 4. 23 acres that boasts a private pond, apple trees, blueberry bushes, grape vines, blackberry and raspberry bushes. Easy access to Routes 146 and 295. Seller welcomes any and all offers and terms.
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Our Executive Mortgage Banker:
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$640,000
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 | $512,000 | $512,000 | $512,000 |
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 | $469 | $469 | $469 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,111 | $3,111 | $4,046 |
Total Monthly Payment | $3,672 | $3,672 | $4,607 |
* 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.