Don't miss this rare opportunity in the sought-after Silver Sands Beach community! This spacious home, just steps away from a private beach, boasts breathtaking ocean views from nearly every window. Approx. 2, 400 sq. ft. of living space, 4/5 bedrooms & 3 full baths, this could be your year-round beach retreat or summer getaway. Set on a generous . 19-acre lot, the property includes a detached oversized 2-car garage w/bonus space (w/bath). Elevated on pilings, the home is high & dry, making flood insurance affordable. Upon entry, a mudroom greets you, keeping the main living area tidy. The eat-in kitchen flows seamlessly into the living room, where you can enjoy direct water views. A versatile bonus room off the living area is perfect for an office, gym, or any number of uses. The main level also features a full bath, 2 bedrooms & a laundry/utility room. Upstairs, you'll find the primary suite w/an attached den/study, private deck, walk-in closet & an en-suite bath that includes a whirlpool tub & a walk-in shower. 2 additional bedrooms are also located on this floor, one with its own private balcony, along w/ a 3rd full bath. Enjoy access to the private beach, and take advantage of the recent upgrades, including a new paved driveway, new front slider, 2 new a/c systems, 2 newer gas furnaces (one for each floor, both 6 years old), 8 year old roof, & 6 year old demand hot water heater. The ground-level bonus room is fully insulated w/spray foam, heated & cooled, making it ideal for future expansion or even an outdoor kitchen. The property can be sold furnished or unfurnished, depending on your preference! flood insurance is $2, 600 a year. - home is raised, but the garage isn't and therefore has flooded. Enjoy the 4th of July fireworks or watch the sailboat races on Wednesday evenings during the summer. Perfect location 15 minutes to New Haven and Yale and easy access to the train station. Under 90 minutes to NYC or Boston. Garage "bathroom" not connected and being sold as is.
Type | Description | Level |
---|---|---|
Bedroom 1 | Main | |
Bedroom 2 | Upper | |
Bedroom 3 | Upper | |
Den | Main | |
Dining Room | Main | |
Eat-In Kitchen | Main | |
Full Bath | Main | |
Full Bath | Upper | |
Living Room | Main | |
Primary BR Suite | Full Bath | Upper |
Study | 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 | $639,200 | $639,200 | $639,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.490% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.681% | 6.678% | 6.034% |
Monthly Tax Payment | $900 | $900 | $900 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,360 | $4,036 | $5,308 |
Total Monthly Payment | $5,352 | $5,028 | $6,300 |
* 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.