104 Phillip Avenue, Cumberland, RI, 02864 | $419,000

**Charming Single Family Ranch in a Desirable Blue Ribbon School Neighborhood** Welcome home! This beautiful single-family ranch is nestled in a highly sought-after neighborhood, offering both comfort and style. This home features stunning hardwood floors throughout that add warmth and elegance. Step into the heart of the home a beautiful kitchen that boasts sleek counter tops and a spacious peninsula island, perfect for both cooking and entertaining. The open layout is ideal for family gatherings and social events. With three well-appointed bedrooms, there's ample room for relaxation. A modern full bathroom that exudes sophistication and functionality. The expansive basement is a true gem, featuring an entertainment room for movie nights and a convenient half bath. The home is enhanced by new exterior siding, providing excellent curb appeal, and the exterior spaces are equally inviting. Step outside to enjoy the beauty of your large backyard, complete with a stunning patio right outside the walkout basement door. It's the perfect spot for summer barbecues and friendly gatherings. In addition, the crushed stone fire pit sitting area offers a cozy retreat for evening fires under the stars. The deck off the kitchen door provides yet another outdoor space for dining al fresco or enjoying your morning coffee. This single-family ranch combines a modern vibe, delightful outdoor spaces, and a prime location, making it a must-see!

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 1 full / 1 half
  • Style: Ranch
  • Year Built: 1940
  • Garage: No Garage
  • Heating: Baseboard,Oil
  • Cooling: None
  • Basement: Partial,Partially Finished,Walk-Out Access
  • Approx Sq. Feet: 1,728
  • Acreage: 0.23
  • Est. Taxes: $3,285
  • Appliances: Dishwasher,Microwave,Oil Water Heater,Refrigerator
  • MLS#: 1371363
  • Website: https://www.raveis.com
    /prop/1371363/104phillipavenue_cumberland_ri?source=qrflyer
Copyright © 2024  State-Wide MLS, Inc. All rights reserved.
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listed by Century 21 Luxe Property Grp   Phone: 401-525-0982

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Whitney RuggVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 7654

401.474.4879

Whitney.Rugg@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

104 Phillip Avenue, Cumberland, RI, 02864

$419,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Whitney Rugg

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 401.474.4879

Whitney.Rugg@raveis.com

NMLS Mortgage Loan Originator ID 7654

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $335,200 $335,200 $335,200
Term 360 months 360 months 180 months
Initial Interest Rate** 7.000% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.477% 7.159% 6.296%
Monthly Tax Payment $274 $274 $274
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,230 $2,228 $2,827
Total Monthly Payment $2,579 $2,577 $3,176

* 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.