Tucked away on a country mountain road and set into the bucolic landscape of the Beebe Hill State Forest is Fog Hill Cabin. A modern cottage with a cabin-like feel, this woodsy retreat has been a fun, cozy get away for the current owners. Located on the eastern side of Columbia County, New York and close to The Berkshires, this welcoming home serves also as a successful, turn-key rental property. The quaint town of Austerlitz is in close proximity to the Hudson Valley and the Berkshires, close to the towns of Hudson, Chatham, Tanglewood, Great Barrington, Lenox, & Stockbridge. Local attractions include Art Omi, Naumkeag & The Mount, Edith Wharton's home as well as several ski options, including Catamount, Jiminy Peak and Butternut. Entering from the front covered porch, you will find the main level which features an open and cozy living area comprised of a beautifully appointed kitchen, light filled dining room and living room, all with a built-in sound system. Directly off the living room is a breezy screened-in porch that leads to an expansive outer deck built into the natural landscape that extends the living space to the outdoors. Utilizing all of the floorplans, there are 3 living levels. On the top level, you can find the main bedroom that is a private get away. Natural light fills the room from its sky lights and lofty high ceilings, and a Juliet balcony delivers a breathtaking view of the mountain treetops. Additional fully renovated living area is found on the lower level, an open bedroom and living room, en suite bathroom, kitchenette and wood stove, with entry and walk-out to outdoor covered patio area. New LG washer and dryer are located on the lower level. All appliances in kitchen are stainless GE Profile. In the back yard, a fire-pit completes all you need to enjoy the fresh mountain air and incredible night sky for stargazing. A shed holds all needed to maintain the outdoor landscape and comes with lawn mower and snow blower. The seller has diligently maintained and updated this cabin to meet today's standards, blending modern amenities with rustic charm. There are multiple heating systems including propane-fueled wall radiators and efficient heat pump mini-splits on every level, wood and gas stoves and a bonus radiant floor heating on the lower level. In the summer, the whole house is air conditioned with the same mini-splits. The cabin can accommodate up to 6 guests.
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NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $540,000 | $540,000 | $540,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 7.125% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.474% | 7.282% | 6.412 |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,730 | $3,638 | $4,593 |
Total Monthly Payment | $3,822 | $3,730 | $4,685 |
* 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.