This cute 4-bedroom, 1 bathroom cape cod home in Black Rock, CT is calling you! Black Rock is a historic seaside neighborhood offering a unique blend of urban convenience and coastal charm. Ash Creek is just steps from your new home and its waters can be seen from the second floor. Down the way is St. Mary's by the Sea and the sea walk along Long Island Sound, offering some of the most beautiful views in Fairfield County. After that you reach Seabright Beach - a small and intimate neighborhood beach that is incredibly convenient in the summer. Black Rock is an incredibly active neighborhood with walking, biking, yoga, paddle board and tennis, but it is also an incredibly social neighborhood with social and boating clubs and great bars, restaurants and shopping like Harborview Market, Park City Music Hall and so many others on the bustling Fairfield Avenue. At this home, the primary bedroom as well as the second bedroom (a great home office option) are located on the first floor along with the full bathroom, eat-in kitchen and living room. The central stair case leads up to the two other bedrooms, or down to the full basement where the utilities are located, including 200-amp service, sump pump and a new washer and dryer. The basement could easily be finished. Improvements include new flooring and carpeting, painting, landscaping and more.
Type | Level |
---|---|
Bedroom 1 | Main |
Bedroom 2 | Upper |
Bedroom 3 | Upper |
Dining Room | Main |
Living Room | Main |
Primary Bedroom | Main |
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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 | $279,200 | $279,200 | $279,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 7.000% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.330% | 7.182% | 6.412% |
Monthly Tax Payment | $809 | $809 | $809 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,858 | $1,858 | $2,375 |
Total Monthly Payment | $2,742 | $2,742 | $3,259 |
* 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.