Welcome to scenic 46 Little Alum Road! This traditional colonial home is a MUST SEE with relaxing front porch views and 13 acres! Outside you will find a 3-horse stable and private backyard. This spacious 4-bedroom, 3 bathroom home offers two-story living plus a two-car garage. Step inside to discover a large family room to your left, and living room with fireplace to your right, opening up to your formal dining room. Kitchen has stainless steel appliances. Main level includes full bath, with washer & dryer. Primary bedroom boasts a private balcony, en suite bath, walk in-closet and traditional closet . Additional bonus room offers flexibility for guests or home offices. Water heater replaced in 2023 and sump pump in 2024. Includes access to Little Alum Pond. This house comes with a REDUCED RATE as of 11/04/2024 through List & Lock™. This is a seller paid rate-buydown that reduces the buyer’s interest rate and monthly payment. Terms apply. SELLERS MOTIVATED.
Type | Description | Level |
---|---|---|
Bedroom 2 | Ceiling Fan(s), Closet, Flooring - Wall to Wall Carpet | Second |
Bedroom 3 | Ceiling Fan(s), Closet, Flooring - Wall to Wall Carpet | Second |
Bedroom 4 | Ceiling Fan(s), Closet, Flooring - Wall to Wall Carpet | Second |
Dining Room | Flooring - Hardwood, Deck - Exterior, Exterior Access | First |
Kitchen | Ceiling Fan(s), Flooring - Stone/Ceramic Tile | First |
Living Room | Ceiling Fan(s), Flooring - Hardwood | First |
Master Bedroom | Bathroom - Full, Ceiling Fan(s), Walk-In Closet(s), Closet, Balcony - Exterior | Second |
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William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
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 | $479,920 | $479,920 | $479,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.750% | 6.625% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.300% | 6.802% | 5.990% |
Monthly Tax Payment | $559 | $559 | $559 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,113 | $3,073 | $3,985 |
Total Monthly Payment | $3,764 | $3,724 | $4,636 |
* 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.