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108 Spruce Street, #D, Providence, RI, 02903 | $439,000
Andiamo! Welcome to Federal Hill's newest condo! The Condos on Spruce are ideally located in the heart of Depasquale Square, steps away from historic Atwells Avenue, renowned for its Italian heritage and vibrant atmosphere. You'll be surrounded by the best of Federal Hill's dining, shopping, and nightlife, with a mix of historic charm and modern convenience right outside your door. The unit feature 923 +/- sq. feet of beautifully renovated living space with brand-new hardwood floors throughout, two spacious bedrooms, and a tastefully designed kitchen and bathroom. Enjoy stunning views of the Providence skyline and the State House from the comfort of your home. Each unit is equipped with a high-efficiency Navien system, providing reliable and endless hot water and heating. Original brick behind the walls of the interior of the unit are the perfect option for those seeking a real exposed brick aesthetic. The newly formed HOA is set to cover master insurance, common area upkeep, water, and sewer, making living here hassle-free. Final HOA documents are pending, with monthly fees subject to adjustment. This is a rare opportunity to own in one of Providence's most desirable neighborhoods, ideal for both homeowners and investors, as new developments continue to drive up values in this historic area. Don't miss your chance to experience Federal Hill's unique charm and urban convenience!
Features
- Heating: Baseboard,Gas
- Cooling: None
- Amenities: Highway Access,Near Hospital,Near Schools,Public Transportation,Recreation Area,Restaurant,Shopping
- Rooms: 4
- Bedrooms: 2
- Baths: 1 full
- Laundry: In Unit
- Complex: Federal Hill
- Year Built: 1920
- Common Charge: $200 Monthly
- Approx Sq. Feet: 923
- Acreage: 0.03
- Est. Taxes: $1,000
- Pets Allowed: Yes
- Appliances: Dryer,Dishwasher,Gas Water Heater,Oven,Range,Refrigerator,Tankless Water Heater,Washer
- MLS#: 1373382
- Website: https://www.raveis.com
/prop/1373382/108sprucestreet_providence_ri?source=qrflyer
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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
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- 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.
Whitney RuggVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 7654
401.474.4879
Whitney.Rugg@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
Allen GellermanInsurance Sales Director, William Raveis Insurance
617.686.2668
Allen.Gellerman@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
108 Spruce Street, #D, Providence, RI, 02903
$439,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Whitney Rugg
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 401.474.4879
Whitney.Rugg@raveis.com
NMLS Mortgage Loan Originator ID 7654
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $351,200 | $351,200 | $351,200 |
| 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 | $83 | $83 | $83 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,337 | $2,334 | $2,962 |
| Total Monthly Payment | $2,495 | $2,492 | $3,120 |
* 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
RI Mortgage Lender & Mortgage Broker #20051918LL & #20051919LB