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Classic 2-bedroom home with historic charm nestled in the highly desirable hill section of St. Albans City! Situated on a spacious corner lot, this classic property boasts timeless character and great bones—ready for your personal touches. Just inside, you’re greeted by a generous entryway with space to store seasonal gear. Hardwood flooring and beautiful woodwork exudes historic charm throughout. The open flow between the living room and dining room provides ease of use and an inviting atmosphere, while large windows fill the space with natural light. Just off of the dining room, you’ll find a cozy kitchen, perfect for cooking and entertaining. The first floor also features a den and a convenient bathroom, ideal for guests or a home office. A covered front porch offers an inviting exterior, with a place to relax and enjoy your surroundings. The unfinished basement has plenty of storage space for your extra belongings. Located close to Taylor Park, shopping, dining, and more, this home offers an unbeatable location in a sought-after area of St. Albans!
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Our Executive Mortgage Banker:
Our Insurance Division:
$305,000
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 | $244,000 | $244,000 | $244,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.042% | 6.160% |
Monthly Tax Payment | $279 | $279 | $279 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,603 | $1,603 | $2,043 |
Total Monthly Payment | $1,957 | $1,957 | $2,397 |
* 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.