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10 Josephine Drive, #2D, Charlestown, RI, 02813 | $381,714
A wonderful opportunity to start the New Year in this sought-after second-floor, one-level unit at Village Farm Condominiums (50+). Conveniently located just south of Route 1 and only two miles from Charlestown Beach, this condo is tucked into a private neighborhood with no through traffic offering peace and quiet while remaining close to shopping, dining, and all that South County has to offer. This well-maintained 2-bedroom, 1. 5-bath condo features stainless steel appliances, granite countertops, tile floors in the bathrooms, and new hardwood flooring in the living room and primary bedroom. The spacious primary suite includes a walk-in closet and an en-suite bath with double vanity and tub. A versatile second bedroom works beautifully as a guest room, home office, or den. Additional highlights include in-unit laundry, a private patio, basement storage, and an extra storage closet ideal for bikes, gardening tools, or seasonal items. Pet-friendly for a small dog or cat, with low taxes and a modest $250/month condo fee. A stair lift can easily be installed for true one-level living. Affordable Housing Guidelines: Buyer must meet income limits and at least one household member must be 50 or older. Maximum gross annual incomes: 1 person $96, 120, 2 persons $109, 800. This unit is subject to deed restrictions and buyer income verification under affordable housing regulations.
Features
- Heating: Baseboard,Gas,Hot Water
- Cooling: Window Unit(s)
- Amenities: Golf,Marina,Near Hospital,Restaurant,Shopping
- Rooms: 5
- Bedrooms: 2
- Baths: 1 full / 1 half
- Laundry: In Unit
- Year Built: 2009
- Common Charge: $250 Monthly
- Approx Sq. Feet: 1,050
- Est. Taxes: $1,726
- Adult Communities: Yes
- Pets Allowed: Yes
- Appliances: Dryer,Dishwasher,Gas Water Heater,Microwave,Oven,Range,Refrigerator,Washer
- MLS#: 1402378
- Website: https://www.raveis.com
/prop/1402378/10josephinedrive_charlestown_ri?source=qrflyer
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William Raveis Family of Services
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Customer Service
888.699.8876
Contact@raveis.com
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To learn more about our credentials, visit raveis.com today.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@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
10 Josephine Drive, #2D, Charlestown, RI, 02813
$381,714
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
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 | $305,371 | $305,371 | $305,371 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.144% | 5.415% |
| Monthly Tax Payment | $144 | $144 | $144 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,758 | $1,829 | $2,435 |
| Total Monthly Payment | $1,977 | $2,048 | $2,654 |
* 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