Adorable move-in ready 3 bedroom, 2 bathroom St Albans home! Bathed in natural light, the open-concept living space greets you upon entry. Featuring hardwood floors and a large picture window, it is an ideal gathering place. Open to the living space, enjoy the beautifully renovated kitchen, which boasts granite countertops, a large center island, stainless steel appliances, and an adjoining dining space. Sliders off the dining area also provide convenient access to the lovely back deck, offering seamless indoor/outdoor living. Down the hall, find 3 bedrooms, all featuring hardwood floors, as well as a full bathroom. Venture to the basement where you will enjoy additional finished square footage, including an office, cozy bonus room, ¾ bathroom, and laundry space. Not to mention plenty of storage space and an egress door to the backyard as well! Outside, enjoy fantastic exterior curb appeal, lovely landscaping, a two-car garage, and a sprawling backyard. Home improvements include a new roof in 2024, new Weil Mclain boiler in 2022, and owned solar panels. Ideally located less than 5 minutes from I89 for easy commutes, and just around the corner from St Albans schools, the Collins Perley Sports & Fitness Center, and the many shops, restaurants, and entertainment options found in St. Albans City!
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$420,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $336,000 | $336,000 | $336,000 |
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 | $385 | $385 | $385 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,264 | $2,233 | $2,834 |
Total Monthly Payment | $2,723 | $2,692 | $3,293 |
* 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.