** Charming Cape Cod with private beach access ** Discover the perfect blend of coastal charm and modern comfort in this updated 4/2 Cape Cod home. Nestled in a peaceful neighborhood, this property is just a short stroll away from a private beach, making it an ideal getaway or year-round residence. Step inside to find an open layout featuring spacious living areas with abundant natural light, perfect for relaxation and entertaining. The well-appointed kitchen features updated appliances and ample counter space, seamlessly flowing into the dining area. The main floor includes a beautifully renovated bedroom with stylish finishes and a full bath thatbb blends contemporary design with functionality. Upstairs, you'll find three additional bedrooms, offering versatility for guests, a home office, or playroom. Outside, a serene escape, ideal for summer barbecues or quiet evenings under the stars. The home's proximity to the beach allows for effortless beach days and leisurely strolls along the shore. With its prime location in Madison, renowned for its charming downtown, vibrant community, and excellent schools, this home is a gem. Don't miss the opportunity to make this coastal lifestyle your own. ** Updates & Improvements ** 2019 kitchen remodel, replaced tile and laminate flooring on main floor with new hardwood floors, refinished previous wood floors to all match, interior paint throughout; 2020 fireplace remodel, kitchen appliances; 2023 main floor bath remodel and main floor bedroom; interior paint; 2024 upgraded sump pump discharge to underground; Septic is located in the back, under the ramp to storage shed; new leaching fields 2005 (see as built); Roof 2016-2017 (per previous seller)
Type | Description | Level |
---|---|---|
Bedroom 1 | Remodeled,9 ft+ Ceilings,Vaulted Ceiling,Ceiling Fan | Main |
Bedroom 2 | Upper | |
Bedroom 3 | Upper | |
Eat-In Kitchen | Remodeled,Breakfast Bar,Built-Ins,Quartz Counters,Island,Hardwood Floor | Main |
Great Room | Bay/Bow Window,Beams,Fireplace,Hardwood Floor | Main |
Primary Bath | Remodeled,Quartz Counters,Double-Sink | Main |
Primary Bedroom | Balcony/Deck,Sliders,Walk-In Closet | Upper |
Sun Room | French Doors,Patio/Terrace,Sliders,Tile Floor | Main |
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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 | $639,200 | $639,200 | $639,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.582% | 7.171% | 6.518% |
Monthly Tax Payment | $835 | $835 | $835 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,360 | $4,248 | $5,481 |
Total Monthly Payment | $5,287 | $5,175 | $6,408 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.