Welcome to this beautifully maintained lakeside retreat on the shores of Lake Carmi, offering 99 feet of private lake frontage on owned land in a highly sought-after area. Built in 1993, this charming home features two spacious bedrooms, a bonus room, and a full bath. The first floor exudes warmth and character with stunning pinewood floors, abundant natural light, and serene waterfront views from every window. A cozy wood-burning stove creates a welcoming ambiance, perfect for chilly nights. The well-designed galley kitchen boasts maple cabinets and elegant quartz countertops, while the large deck and screened-in porch invite you to entertain or relax outdoors. Whether you’re boating, swimming, or simply enjoying the peaceful sounds of nature, this lakeside oasis provides the perfect backdrop for all your lakeside activities. Additionally, this home offers private well and septic systems and is nestled on a quiet dead-end road. The spacious guest cottage offers privacy for hosting family and friends, while the wooded boundaries ensure tranquility. With plenty of room for gardening and an abundance of perennials, this property offers a wonderful opportunity to create cherished memories for generations. Located close to amenities and just a short drive to the Canadian border, it’s the perfect blend of seclusion and convenience. This seasonal cottage comes fully furnished.
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Our Executive Mortgage Banker:
Our Insurance Division:
$449,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $359,200 | $359,200 | $359,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.055% | 6.256% |
Monthly Tax Payment | $441 | $441 | $441 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,390 | $2,360 | $3,029 |
Total Monthly Payment | $2,906 | $2,876 | $3,545 |
* 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.