82 State Street, Guilford, CT, 06437 | $945,000

Rare opportunity to own an in-town retreat just steps from the historic Guilford Green. This unique and well maintained two-family home offers a combination of flexibility, charm, and outdoor space that is nearly impossible to find this close to town. Whether you're seeking multi-generational living, rental income, or a lifestyle property with room to spread out, this home delivers exceptional versatility. The true standout is the expansive, level backyard-an exceptional oasis featuring a rock garden, two professionally installed putting greens, and a large workshop with electricity. It's a space that invites relaxation, recreation, and creativity all in one, offering a sense of privacy and retreat rarely found in an in-town setting. Inside, the home offers 6 bedrooms and 4 full baths across two units, with a layout that provides defined living spaces and flexibility for a variety of living arrangements. The main residence spans two levels and lives like a single-family home, offering 4-5 bedrooms and 3 full baths, along with dining spaces, a wood burning fireplace, eat-in kitchen, walk in pantry with wet bar. The upper level has a cozy, cottage-like feel with lower ceilings heights, creating inviting intimate spaces ideal for bedrooms, quiet retreats or work from home offices. A separate-entry, second unit provides additional flexibility, with 1-2 bedrooms, full bath, eat-in kitchen-ideal for rental income, guests, or multi-generational living. The property has a strong history of successful multi-generational occupancy, tenancy and adaptable use. Recent updates include a new HDZ roof, 2 remodeled modern kitchens, 3 remodeled modern full baths, refreshed interiors, new updated lighting, new appliances, 4 new programmable thermostats, and select rooms with refinished original flooring that add warmth and character. Mechanical systems are well maintained, with two boilers and two updated Roth double walled oil tanks. The entire house was rewired in 2007 and brought up to current code this year. The location offers the best of both worlds-close enough to enjoy shops, dining, and the Green, yet set far enough away to maintain a peaceful residential feel. Nearby amenities include Jacob's Town Beach, Guilford Yacht Club, Westwoods Hiking Trails, Yale Shoreline Medical, Shoreline East Rail with connections to MetroNorth & Amtrak, and convenient to I-95. 96 miles to NYC or 150 miles to Boston, by car. Offered at $945, 000 with a $10, 000 credit at closing, this is an opportunity to personalize a property in one of Guilford's most desirable walk-to-town locations. For those who value location, outdoor living, and flexibility over cookie cutter design, this home presents something truly special.

Features

  • Rooms: 18
  • Bedrooms: 6
  • Baths: 4 full
  • Units: 2
  • Laundry: Washer/Dryer Some Units
  • Style: Other
  • Year Built: 1850
  • Garage: Paved,Off Street Parking,Driveway
  • Heating: Hot Water
  • Cooling: None
  • Basement: Full,Unfinished,Sump Pump,Hatchway Access,Dirt Floor
  • Above Grade Approx. Sq. Feet: 2,783
  • Acreage: 0.46
  • Est. Taxes: $16,067
  • Lot Desc: Level Lot,Historic District
  • Elem. School: Per Board of Ed
  • Middle School: Baldwin
  • High School: Per Board of Ed
  • MLS#: 24133644
  • Website: https://www.raveis.com
    /raveis/24133644/82statestreet_guilford_ct?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.

Claudia BartlettSales Associate

203.415.4195

Claudia.Bartlett@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
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • 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.

Kevin DeTullioVP, Mortgage Banker / Production Manager, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1724767

203.305.5736

Kevin.DeTullio@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

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@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

Diane PadelliInsurance Sales Director, William Raveis Insurance

203.444.0494

Diane.Padelli@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

Ray CashenPresident, William Raveis Attorney Network

203.925.4590

For homebuyers and sellers, our Attorney Network:

  • Consult on purchase/sale and financing issues, reviews and prepares the sale agreement, fulfills lender
    requirements, sets up escrows and title insurance, coordinates closing documents
  • Offers one-stop shopping; to satisfy closing, title, and insurance needs in a single consolidated experience
  • Offers access to experienced closing attorneys at competitive rates
  • Streamlines the process as a direct result of the established synergies among the William Raveis Family of Companies

82 State Street, Guilford, CT, 06437

$945,000

Claudia Bartlett

Sales Associate

William Raveis Real Estate

Phone: 203.415.4195

Claudia.Bartlett@raveis.com

Kevin DeTullio

VP, Mortgage Banker / Production Manager

William Raveis Mortgage, LLC

Phone: 203.305.5736

Kevin.DeTullio@Raveis.com

NMLS Mortgage Loan Originator ID 1724767

Brian Skelly

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $756,000 $756,000 $756,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 6.235% 6.058%
Monthly Tax Payment $1,339 $1,339 $1,339
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,233 $4,594 $6,329
Total Monthly Payment $5,664 $6,025 $7,760

* 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.