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Tucked at the end of a quiet cul-de-sac, this riverfront home offers something rare; privacy, space, & sweeping views of the Farmington River with property rights extending to the water's edge. Set on . 63 acres and located outside the flood zone, this is where everyday living feels like a retreat. Inside, over 2, 000 sq ft unfolds with a layout designed for both connection and comfort. The formal living and dining rooms feature hardwood floors, while the renovated kitchen showcases granite countertops, LVP flooring, and two pantries for exceptional storage. The spacious family room opens to the kitchen and is surrounded by sliders that frame panoramic views of the wrap-around deck, patio, gardens, and river beyond. Upstairs offers three generously sized bedrooms including a primary en suite and a beautifully remodeled full bath. The walk-out lower level provides backyard access and flexible space for storage, hobbies, or future finishing. Heated mudroom, 2-car garage, and major mechanical updates already completed. Positioned at the end of a cul-de-sac, outside the flood zone, with river frontage and convenient access to shopping, dining, highways, and Bradley Airport, 22 Apple Tree Lane offers the rare combination of serenity and accessibility. This isn't just a move-up home, it's a lifestyle upgrade. This home has been thoughtfully maintained and upgraded, offering both aesthetic appeal and long-term value. The kitchen renovation combines classic granite surfaces with durable luxury vinyl plank flooring, creating a space that is as functional as it is inviting. Two pantries provide abundant storage rarely found in homes of this size. The family room is the true heart of the home; bright, open, & oriented toward the river. Multiple sliders bring in natural light and create seamless indoor-outdoor flow to the wrap-around deck. Whether hosting gatherings, enjoying quiet mornings with coffee, or watching the seasons change over the water, the setting delivers year-round beauty. Upstairs, the primary suite offers privacy and comfort, while the remodeled full bath blends modern finishes with timeless design. All three bedrooms are generously sized to accommodate today's lifestyle needs. The walk-out basement includes rear bay access to the backyard, offering flexibility for workshop space, storage, or potential future expansion. Major improvements include windows and double oil tanks replaced in 2020, boiler replaced in 2018, roof approximately five years young, new wood stove (conveys), programmable thermostats, and a brand-new front and storm door. These updates provide peace of mind for the next owner. Minutes to Hartford and Bradley Int'l Airport, yet peacefully set in one of Windsor's most desirable neighborhoods.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Hardwood Floor | 11.0 x 11.0 | Upper |
| Bedroom 2 | Hardwood Floor | 10.0 x 11.0 | Upper |
| Eat-In Kitchen | Remodeled,Quartz Counters,Pantry,Vinyl Floor | 11.5 x 12.0 | Main |
| Family Room | Remodeled,Balcony/Deck,Built-Ins,Wood Stove,Sliders,Vinyl Floor | 24.0 x 14.0 | Main |
| Formal Dining Room | Hardwood Floor | 11.5 x 10.0 | Main |
| Full Bath | Remodeled,Tile Floor | Upper | |
| Living Room | Fireplace,Hardwood Floor | 11.0 x 23.0 | Main |
| Primary Bedroom | Full Bath,Walk-In Closet,Hardwood Floor | 18.0 x 14.0 | Upper |
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NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $359,920 | $359,920 | $359,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.161% | 6.132% | 5.541% |
| Monthly Tax Payment | $603 | $603 | $603 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,015 | $2,156 | $2,893 |
| Total Monthly Payment | $2,693 | $2,834 | $3,571 |
* 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.