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Welcome to 175 Ferry Road, Unit 4 at Eden Harbor, a beautifully maintained and thoughtfully designed 2-bedroom, 2. 1-bath townhouse in an over 55 active adult community, offering comfort, flexibility, and effortless living in one of Old Saybrook's most convenient locations. With a versatile floor plan, quality finishes throughout, and an attached garage, this home lives more like a private residence than a condo. Step inside to find hardwood floors that flow through the main living areas, creating a warm and welcoming first impression. The spacious living room is the heart of the home, featuring a propane fireplace and abundant natural light. Sliding glass doors open directly to a private back patio, extending your living space outdoors and offering a peaceful setting for relaxation. The updated kitchen is both stylish and functional, appointed with granite countertops, stainless steel appliances, ample cabinetry, and generous prep space. Just off the kitchen is a separate laundry room. One of the standout features of this home is the first-floor bedroom with a full bath, offering exceptional flexibility. Ideal for guests, a home office, or single-level living, this layout accommodates a variety of lifestyles and long-term needs. A convenient half bath on the main level further enhances everyday comfort and entertaining ease. Upstairs, you'll find the second bedroom suite, complete with its own ensuite full bath, providing privacy and comfort. Upstairs, you'll find the second bedroom suite, complete with its own ensuite full bath, providing privacy and comfort. Adjacent to the bedroom is an oversized loft space with custom-built-in cabinetry and bookshelves. This expansive loft offers endless possibilities, a home office, media room, reading retreat, fitness area, or additional lounge space. The full basement provides abundant storage options and potential for future finishing. An attached two-car garage offers secure parking, additional storage, and direct interior access. This well-managed townhouse community offers low-maintenance living, allowing you to enjoy more time doing what you love while exterior upkeep is handled for you. The location is exceptionally convenient, close to shopping, dining, medical facilities, marinas, beaches, and major commuter routes, making it easy to enjoy all that Old Saybrook and the shoreline lifestyle have to offer. . Whether you're looking for a primary residence, a weekend retreat, or a low-maintenance alternative to single-family living, 175 Ferry Road, Unit 4 delivers space, comfort, and flexibility in a desirable coastal setting. With its thoughtful layout, quality updates, and rare combination of features - including a first-floor bedroom, loft, basement, and two-car garage - this home is a standout opportunity. Move right in and enjoy the ease of condo living without sacrificing space, style, or functionality.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Full Bath,Wall/Wall Carpet | 17.0 x 12.0 | Upper |
| Dining Room | Hardwood Floor | 12.0 x 12.0 | Main |
| Kitchen | Granite Counters,Galley | 12.0 x 9.0 | Main |
| Living Room | Gas Log Fireplace,Sliders,Hardwood Floor | 17.0 x 16.0 | Main |
| Loft | Book Shelves,Built-Ins,Entertainment Center,French Doors | 18.0 x 11.0 | Upper |
| Primary Bedroom | Full Bath,Walk-In Closet | 15.0 x 14.0 | Main |
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|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $479,200 | $479,200 | $479,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $415 | $415 | $415 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,646 | $2,835 | $3,821 |
| Total Monthly Payment | $3,153 | $3,342 | $4,328 |
* 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.