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Wisteria Cottage conveys a magical aura of both history and whimsy. This two-story cottage on Netherwood Road was built in the 1860s and, though updated in important ways, maintains the style and charm of its origins. Beamed white walls combine pleasingly with the warm glow of original wide board floors and the cozy charm of dormer ceilings. On the first floor, a wide open dine-in kitchen features charcoal-gray appliances including a six-burner chef's stove and a stylishly streamlined Undermount sink. The living room is warmed by a wood stove and the light that streams through a large picture window. The flagstone hearth in the first-floor primary bedroom has an inset wood stove, and the painted plank ceiling and several large windows add to the hideaway coziness of this space. The bedroom and adjoining bath both have hand-hewn beams adding to their vintage flair, while the bathroom is also conveniently updated with subway tiles, heated towel racks, and a modern glass-enclosed shower. Two snug second floor bedrooms share a hall bath with deep soaking tub and adjoining dressing room. The over an acre property surrounding the cedar-sided Wisteria Cottage is dotted with several outbuildings, including two run-in sheds and a barn/garage that also has workshop and studio space as well as a one-bedroom guest apartment with brand new bathroom. This slice of history is the pinnacle of comfort and convenience with modern updates that include Nest smart thermostats, repointed chimneys, and new well pump, water heater, boiler, septic, and roof. Set amidst the pastoral beauty of Dutchess County, it is just a short drive on country roads to the hamlet of Salt Point and within easy reach of Rhinebeck and Millbrook.
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.Alvarez@Raveis.com
NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $348,000 | $348,000 | $348,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.867% | 7.159% | 6.538% |
Monthly Tax Payment | $620 | $620 | $620 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,345 | $2,313 | $2,984 |
Total Monthly Payment | $3,040 | $3,008 | $3,679 |
* 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.