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"The River House" -serene vistas of the river and marsh from most every room in this precious, year round ranch. Brand new engineered septic w/1000 gal tank & roof are major improvements. Large windows bring the outside in where you can enjoy the abundant wildlife that thrives here. Meandering Neck River leads you to Long Island Sound; tidal in nature but allows for a shallow-bottom boat, kayak or canoe. Baby blue front door leads to functional mudroom. Open the door to interior space where the river comes front and center; sundrenched rooms & whitewashed hardwood floors accent this unique waterfront experience. Dining room w/ fireplace opens to living room where expansive views are uplifting and calming in nature. Space off of the living area, dressed out with charming window seats, can certainly be used as an office if one is needed. The kitchen is beyond adorable. . . white, crisp cabinetry & countertops, cobalt blue back splash, dishwasher, convection oven, microwave - all outfitted in stainless. Powder blue retro SMEG refrigerator w/ matching bench seating surrounds the kitchen table. The 1 full bath is tastefully & classically done w/ Carrara marble accents. Flex space off the kitchen is multifunctional & also houses the washer/dryer. Primary bedroom has walk-in closet; 1 additional bedroom completes this special home. 2 decks, outdoor shower, large shed and steps to the river- all bring your dream of living on the water to life. House generates $73, 000 in rental income. Flood insurance is $151. 00 per month.
Type | Description | Dimensions | Level |
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Bedroom 1 | Hardwood Floor | 9.0 x 10.0 | Main |
Dining Room | Remodeled,Fireplace,Hardwood Floor | 10.0 x 14.0 | Main |
Kitchen | Remodeled,Country,Hardwood Floor | 12.0 x 16.0 | Main |
Living Room | Remodeled,Hardwood Floor | 10.0 x 29.0 | Main |
Office | Hardwood Floor | 7.0 x 20.0 | Main |
Other | Hardwood Floor | 9.0 x 19.0 | Main |
Other | Hardwood Floor | Main | |
Primary Bedroom | Walk-In Closet,Hardwood Floor | 9.0 x 13.0 | Main |
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William Raveis Real Estate
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Contact@raveis.com
VP, Mortgage Banker / Production Manager
William Raveis Mortgage, LLC
Phone: 203.305.5736
Kevin.DeTullio@Raveis.com
NMLS Mortgage Loan Originator ID 1724767
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 | $519,920 | $519,920 | $519,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.990% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.095% | 7.141% | 6.152% |
Monthly Tax Payment | $655 | $655 | $655 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,286 | $3,456 | $4,352 |
Total Monthly Payment | $4,032 | $4,202 | $5,098 |
* 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.