Welcome home to beautiful tree-lined Kelsey Avenue! Looking to downsize or searching for your dream starter home? Look no further than the comforts of single floor living in this charming home with lots of potential! A covered front porch awaits your arrival. Envision sitting out on rockers enjoying the breezy air from nearby Long Island Sound. Enter into the spacious living room featuring a gas fireplace, just in time for those crisp Fall nights. The dining room is open to the living room and features an a/c window unit and two corner built ins. The kitchen is just off the dining room and features an ample sized island complete with a convenient vegetable sink. There are sliding glass doors leading to a wood deck. The bathroom features a quaint pedestal sink. The bedroom is a comfortable size. There is a ceiling fan in the kitchen, dining room, living room, and bedroom. Hardwood flooring is under the carpet throughout the dining, living, and bedroom areas. A toilet and partially framed in basement await your finishing touches to add additional living space. Washer and dryer hookups are in the basement. The property features beautiful perennial gardens for your viewing pleasure next spring and summer! Vinyl replacement windows, shingle roofing, siding, and leaf guards on the gutters were all done in 2014. The furnace and the hot water heater were also replaced about 10 years ago. This is an 'AS IS' sale. Vehicle in garage does not convey.
Type | Description | Level |
---|---|---|
Dining Room | Built-Ins,Ceiling Fan | Main |
Kitchen | Ceiling Fan,Sliders | Main |
Living Room | Bay/Bow Window,Ceiling Fan,Gas Log Fireplace | Main |
Primary Bedroom | Main |
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Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $248,000 | $248,000 | $248,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
Monthly Tax Payment | $523 | $523 | $523 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,692 | $1,648 | $2,091 |
Total Monthly Payment | $2,290 | $2,246 | $2,689 |
* 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.