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40 Saginaw Trail, #40, Guilford, CT, 06437 | $199,900
This charming and well-maintained end unit has views of two different ponds and features a private wrap-around deck that's perfect for relaxing and enjoying the surrounding nature. This home has an energy-efficient ductless HVAC system for heating and cooling that was installed in 2015 for year-round comfort. The unique architectural details include two spiral staircases; one ascending to a versatile loft that can serve as an office or additional bedroom, and the other leading down to the lower level, where you'll find a fully finished family room with a cozy fireplace. The lower level also provides access to the laundry room and garage. The main level living room features vaulted ceilings and modern lighting fixtures along with lovely hardwood floors which add a touch of elegance The two sliding glass doors that open onto the deck seamlessly blend indoor and outdoor living. The updated kitchen boasts stainless steel appliances and granite countertops while the dining room has hardwood floors and expansive windows that let the sun in while looking out over the pond. The primary bedroom features wall-to-wall carpeting and overlooks the other tranquil pond, providing a peaceful retreat. ****Highest & Best Offers are being requested by Tuesday, 11/5/24 @ 7: 00, PM. *****
Features
- Parking: 2-car
- Heating: Heat Pump
- Cooling: Split System,Wall Unit
- Levels: 3
- Rooms: 5
- Bedrooms: 2
- Baths: 1 full
- Laundry: Lower Level
- Complex: Quonnipaug Hills
- Year Built: 1978
- Common Charge: $410 Monthly
- Above Grade Approx. Sq. Feet: 838
- Est. Taxes: $2,919
- Lot Desc: Secluded,Water View
- Elem. School: Melissa Jones
- Middle School: Per Board of Ed
- High School: Per Board of Ed
- Pets Allowed: Restrictions
- Pet Policy: Per HOA
- Appliances: Microwave,Refrigerator
- MLS#: 24056653
- Days on Market: 21 days
- Website: https://www.raveis.com
/prop/24056653/40saginawtrail_guilford_ct?source=qrflyer
Listing courtesy of Sunset Creek Realty, LLC
Room Information
| Type | Description | Level |
|---|---|---|
| Bedroom 1 | Skylight,Vaulted Ceiling,Wall/Wall Carpet | Upper |
| Dining Room | Hardwood Floor | Main |
| Family Room | Fireplace,Hardwood Floor | Lower |
| Kitchen | Granite Counters | Main |
| Living Room | Vaulted Ceiling,Ceiling Fan,Sliders,Hardwood Floor | Main |
| Primary Bedroom | Wall/Wall Carpet | Main |
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
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- 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.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@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
Ray CashenPresident, William Raveis Attorney Network
203.925.4590
For homebuyers and sellers, our Attorney Network:
- Consult on purchase/sale and financing issues, reviews and prepares the sale agreement, fulfills lender
requirements, sets up escrows and title insurance, coordinates closing documents - Offers one-stop shopping; to satisfy closing, title, and insurance needs in a single consolidated experience
- Offers access to experienced closing attorneys at competitive rates
- Streamlines the process as a direct result of the established synergies among the William Raveis Family of Companies
40 Saginaw Trail, #40, Guilford, CT, 06437
$199,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
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 | $159,920 | $159,920 | $159,920 |
| 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 | $243 | $243 | $243 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,064 | $1,063 | $1,349 |
| Total Monthly Payment | $1,382 | $1,381 | $1,667 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
CT Mortgage Correspondent Lender License 15524