Nestled on 8. 3 tranquil acres in a serene cul-de-sac neighborhood, this charming home is a nature lover's paradise, offering a perfect blend of elegance and comfort just minutes from Mont Vernon village. The 9-foot first floor ceilings, oversized windows, and cherry floors and kitchen cabinetry exude warmth and natural light, and the open floor concept is ideal for entertaining. The heart of the home features a cozy, high-efficiency Woodstock wood stove, providing supplementary warmth during the winter months, while the den/office offers additional space for work or leisure. The sun-drenched backyard invites outdoor enjoyment with its expansive, level lawn, and the large deck and screened-in porch promote relaxation and outdoor living. The flexible second floor layout offers four bedrooms, including a spacious primary suite complete with walk-in closet and private three-quarter bathroom. Step out from the primary bathroom onto your private balcony deck, wired and prepped for a hot tub. The unfinished walk-up attic and finished basement provide opportunities for additional living space. Recent upgrades include furnace and hot water heater. This home has been lovingly cared for by its original owners, with attention to craftsmanship by local builder and owner, and is located in the desirable Amherst/Mont Vernon School District. This home has been pre-inspected, with reports available upon a successful first showing and proof of funds letter.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $580,000 | $580,000 | $580,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 5.990% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.470% | 6.161% | 5.248% |
Monthly Tax Payment | $1,106 | $1,106 | $1,106 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,524 | $3,474 | $4,584 |
Total Monthly Payment | $4,722 | $4,672 | $5,782 |
* 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.