Nestled in the woods between Ball Pond and Putnam Lake, this charming colonial cottage with classic farmhouse front porch is a great condo alternative for those seeking privacy and tranquility. The open-floor plan of the main level with grand woodburning stone fireplace allows you to enjoy the convenience of designing your own layout between the kitchen on one end of the the room and the fireplace alcove on the opposite wall: arrange a dining area, office or work space, and living / lounging area. Watch TV and enjoy a woodburning fire while cooking! The fieldstone fireplace and handcrafted chimney are new architectural features, installed just two years ago. The full bathroom is conveniently tucked at the foot of the stairs that lead up to the second level offering two bedrooms and spacious hallway, all with sound-muffling Berber carpet. The "gallery" walls of the stairway and hallway are the perfect place to feature your artwork or family photos. The primary bedroom, at almost 18 x 11, is large enough for a king-size bed and can double as a workspace or studio, while the second bedroom (11 x 12) at the top of the stairs is perfect option for guests or home office. There's potential for additional loft/studio space in the unfinished attic, currently accessed by pull-down stairs, but with enough headroom to inspire future project ideas! The entire interior of this home was refurbished (new insulation, walls, ceilings, windows, floors, etc. ) in 2010. Kitchen and bathroom are perfectly functional and waiting for your design updates, and anticipated remodel has been reflected in pricing. House is wonderful starter home or condo alternative in bucolic setting, a stones-throw from NY state line, lake access, and Brewster station. This comfortable cottage is a perfect country retreat or weekender home, rental investment opportunity, starter home, or "downsizer".
Type | Description | Dimensions | Level |
---|---|---|---|
Bedroom 1 | Wall/Wall Carpet | 11.5 x 10.8 | Upper |
Dining Room | Combination Liv/Din Rm,Laminate Floor | Main | |
Living Room | 14.8 x 13.9 | Main | |
Primary Bedroom | Wall/Wall Carpet | 10.8 x 17.5 | Upper |
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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 | $303,200 | $303,200 | $303,200 |
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 | $342 | $342 | $342 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,068 | $2,015 | $2,557 |
Total Monthly Payment | $2,485 | $2,432 | $2,974 |
* 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.