Amazing and rare opportunity to own a beautiful multi-family home in the Whitneyville section of Hamden and just minutes away from downtown New Haven. This house is great for Owner-Occupied or for renting out both units by utilizing the close proximity to Quinnipiac University and Yale University & Hospital. Beautiful mature plantings and well-maintained landscape surround the three-story, vinyl sided home with a free-standing 2-car garage and private backyard. Each unit has a front and rear private entrance. Through both entrances, you will enter the well lit living rooms with the abundance of natural lighting, flowing into the spacious dining rooms which transitions nicely between the kitchens and living areas. Hardwood floors flow throughout both units and both kitchens, water heaters and boilers have been upgraded to Natural Gas in 2015. Baseboard and cast-iron radiators efficiently provide heat throughout both units and the 1st floor have the convenience of Central Air to stay comfortable cool in the summer months. The rear of each unit leads to a private deck space to enjoy your morning coffee. A hallway connecting the kitchens to the two bedrooms and full bathroom. The 1st floor bathroom has been updated with new tile, walk-in shower, toilet, vanity and paint. The 2nd floor connects to a partially finished and heated 3rd floor level with potential for two additional bedrooms and ample additional living space. Roof was stripped completely down to the slats and replaced with new plywood, 30-year Architectural asphalt shingles, flashing, vent boots, restored chimney bricks & cap and completely new gutter system in 2017. Old oil heating system was replaced with new Natural Gas boilers and water heaters for both units in 2015. Rear porches for both units have been updated with new composite decking, reinforced base and pressure treated handrails in 2015. Old concrete driveway was completely removed and replaced with new asphalt in 2018. Front walk-up was removed and replaced with freshly poured concrete in 2018. Front porch has been updated with new reinforced posts, composite decking and handrails in 2019. Old Basement windows (8) have been removed and replaced with new, functional windows with half screens in 2023
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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 | $367,200 | $367,200 | $367,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
Monthly Tax Payment | $976 | $976 | $976 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,474 | $2,441 | $3,097 |
Total Monthly Payment | $3,525 | $3,492 | $4,148 |
* 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.