This stunning 3-bedroom, 4-bath home offers the perfect blend of modern comfort and energy efficiency, along with private shared access to Lake Todd, perfect for swimming, picnicking, and soaking in the views. The home welcomes you with a large wrap-around covered porch, ideal for relaxing, entertaining, or enjoying the peaceful surroundings. Freshly painted interior features an open concept, kitchen island with new appliances. The first-floor primary suite includes a walk-in closet and an en-suite bath, while a conveniently-located laundry room adds to the ease of single-level living. Upstairs, there are two additional bedrooms, a full bath, and a versatile, cathedral-ceiling room for office or recreational use. The house includes a separate apartment, perfect for an in-law suite or guest space, complete with its own kitchen and bath. Built for high energy efficiency, the home features radiant floor heating, high-performance windows, and superior insulation to reduce heating and cooling costs year-round. Outdoor features include raised beds for vegetable gardening, a beautiful orchard with fruit trees, and enhanced flower gardens surrounding the property. A hot tub hookup offers an additional luxury, making this property the complete package for year-round enjoyment. Whether you're gardening, enjoying lake activities, or relaxing on the porch, this home provides a perfect blend of functionality and natural beauty.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $599,200 | $599,200 | $599,200 |
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 | $512 | $512 | $512 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,641 | $3,641 | $4,735 |
Total Monthly Payment | $4,245 | $4,245 | $5,339 |
* 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.