Welcome to this charming Smithfield ranch, where comfort meets versatility. This well-maintained 3-bedroom, 2-full-bath home features an open floor plan with a spacious kitchen and a walk-in pantry. Enjoy cozy warmth from the propane heating stove on the main level, complemented by a Buderus boiler and Roth oil tank for efficient heating throughout the house. The finished walkout basement offers excellent in-law potential, with a separate kitchen, laundry room (wired for a stove and dishwasher if you stack the washer/dryer), and insulated walls with rigid foam board. A pellet stove adds extra comfort to this versatile space, making it perfect for extended family or guests. Recent upgrades include a new roof, a repointed chimney, and nearly the entire house fitted with durable Pex plumbing. The property also features a detached 2-car garage with heat available and just needing hookup, a large shed with a full foundation, and a new septic system to be installed prior to closing. The expansive yard is ideal for entertaining, and you'll benefit from water access to Georgiaville Pond. The sale includes an adjoining parcel of land which includes the driveway. With appliances less than a year old, this home is move-in ready and waiting for you. This home is located in the Laperche School District.
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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 | $439,920 | $439,920 | $439,920 |
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 | $407 | $407 | $407 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,673 | $2,673 | $3,477 |
Total Monthly Payment | $3,172 | $3,172 | $3,976 |
* 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.