Welcome to Spruce Hill ! This is a rare resale at Rutlands premier 55+ community that you wont want to miss ! This home offers a gorgeous kitchen showcasing white and grey cabinetry with dovetail construction, soft close features, center island for daily dining, granite counters , subway tile accents, & stainless steel appliances. Open to sun drenched living room with cathedral ceilings, propane FP and slider to the 3 season room . The perfect spot to enjoy daily sunset . 1st fl primary suite with private bath , dbl sink vanity, and granite counters. Main level laundry can be found in the half bath . 2nd floor features 2nd bedroom , plus a bonus room that makes a great office or den with a private full bath . Plus Full basement with walk out to patio and 2 car garage. Great location : not far from town center & local parks where you can enjoy seasonal activities , local concerts and the towns charm.
Type | Description | Level |
---|---|---|
Bedroom 2 | Closet, Flooring - Laminate | Second |
Kitchen | Flooring - Laminate, Countertops - Stone/Granite/Solid, Kitchen Island | First |
Living Room | Cathedral Ceiling(s), Flooring - Laminate | First |
Master Bedroom | Closet, Flooring - Laminate | First |
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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 | $407,920 | $407,920 | $407,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.171% | 6.276% |
Monthly Tax Payment | $462 | $462 | $462 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,680 | $2,711 | $3,440 |
Total Monthly Payment | $3,234 | $3,265 | $3,994 |
* 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.