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36 Hereford Street, Providence, RI, 02908 | $399,900
OPPORTUNITY KNOCKS! Situated in the heart of the Wanskuck neighborhood and minutes from Providence College, this property offers a unique footprint for the visionary buyer. The main level features a functional layout with three bedrooms and a full bathroom, including a primary suite with a private half-bath. The finished lower level, featuring a private entrance, full bath, and flexible utility area, offers significant "separation of space" ideal for a home office, recreation room, or guest area. Key Updates & Features: Brand New Decking: Dual-level decks recently completed, providing immediate outdoor value. Detached Garage: Ample storage or workshop space with potential for future enhancement. Location: Prime proximity to local universities and amenities. While public records may reflect a Multifamily classifications, the property is officially recognized by the City of Providence as a Single-Family Residence based on the zoning certificate. The existing layout and detached structure offer versatile possibilities; however, any change in use, ADU conversion, or reconfiguration is subject to buyer's due diligence, municipal approvals, and prevailing zoning ordinances. Perfect for those prioritizing layout flexibility and long-term equity. Property falls in a community lending zone which could qualify for programs with no PMI and rates in the 4's.
Features
- Amenities: Golf,Highway Access,Near Hospital,Near Schools,Public Transportation,Restaurant,Shopping
- Rooms: 7
- Bedrooms: 4
- Baths: 2 full / 1 half
- Year Built: 1930
- Garage: 2-car Detached,Garage
- Heating: Baseboard,Gas,Radiant
- Cooling: None
- Basement: Exterior Entry,Full,Interior Entry,Partially Finished
- Approx Sq. Feet: 1,872
- Acreage: 0.13
- Est. Taxes: $4,883
- Appliances: Dryer,Exhaust Fan,Electric Water Heater,Oven,Range,Refrigerator,Washer
- MLS#: 1403608
- Website: https://www.raveis.com
/prop/1403608/36herefordstreet_providence_ri?source=qrflyer
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William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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Brianna TurgeonVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 2104486
860.625.5780
Brianna.Turgeon@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
36 Hereford Street, Providence, RI, 02908
$399,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Brianna Turgeon
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 860.625.5780
Brianna.Turgeon@raveis.com
NMLS Mortgage Loan Originator ID 2104486
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $319,920 | $319,920 | $319,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.258% | 6.292% | 5.648% |
| Monthly Tax Payment | $407 | $407 | $407 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,842 | $1,944 | $2,593 |
| Total Monthly Payment | $2,324 | $2,426 | $3,075 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
RI Mortgage Lender & Mortgage Broker #20051918LL & #20051919LB