Fantastic two-family home offering 4 rooms and 1 full bath on each floor. The 1st floor boasts 9' ceilings, living rm with a ceiling fan and charming chair rail, and a dining rm. featuring a built-in hutch and ceiling fan. The eat-in kitchen provides plenty of cabinets and counter space. Enjoy gleaming hardwood floors throughout, with durable vinyl flooring in the kitchen and bath. Off the kitchen, relax in the expansive 18 x 7 enclosed porch. Freshly painted interior complete the 1st floor. The 2nd floor unit has an eat-in kitchen with a breakfast bar and vinyl flooring. Living rm with laminate wood flooring & chair rail. The main bedroom is generously sized with excellent closet space, while the fourth room is currently used as a small bedroom. Tenants are responsible for their own utilities (except water & sewer), and both units are in great condition! Perfect for owner occupancy and/or the opportunity for an investor to choose their own tenants. Additional features include a full unfinished basement with laundry hookups and storage, a 16 x 6 concrete front patio, and an oversized one-car detached garage with plenty of storage space. The home is vinyl-sided and has thermo-pane windows, a newer roof and boiler, and a chimney that was rebuilt from the roofline up. Set on a . 25 acre lot, this property presents a solid investment or owner-occupant opportunity!
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William Raveis Real Estate
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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 | $232,000 | $232,000 | $232,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
Monthly Tax Payment | $362 | $362 | $362 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,583 | $1,542 | $1,956 |
Total Monthly Payment | $2,020 | $1,979 | $2,393 |
* 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.