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Privately set in one of Old Lyme's most cherished residential enclaves, 12 Matson Ridge is a distinguished five bedroom Colonial that reflects the enduring charm and architectural tradition of coastal New England. Thoughtfully designed and beautifully maintained, the home offers a seamless balance of classic form and modern comfort. A gracious entry introduces interiors defined by light, proportion, and an effortless sense of flow, enhanced by hardwood floors that extend throughout the home, lending warmth, continuity, and timeless appeal. At the heart of the residence, a beautifully appointed chef's kitchen with subzero and wolf appliances anchor daily living featuring refined finishes, generous workspace, and an open connection to the surrounding living and dining areas. Expansive sightlines and a natural openness create an inviting environment suited for both intimate gatherings and larger-scale entertaining. Two fireplaces lend warmth and character to the principal living spaces, offering a sense of comfort through every season. Upstairs, five well proportioned bedrooms provide flexibility for family, guests, or dedicated work from home spaces, while maintaining a sense of privacy and retreat. Set on a generous parcel, the grounds offer a peaceful outdoor setting with ample room for recreation and gardening. 12 Matson Ridge presents a rare opportunity to experience refined living in one of Connecticut's most iconic shoreline towns. Tucked along the Connecticut shoreline where the Lieutenant River meets Long Island Sound, Old Lyme is a place of quiet distinction, an enduring New England village defined by its natural beauty, cultural legacy, and understated sophistication. Long regarded as one of the region's most picturesque coastal towns, Old Lyme offers a rare balance of privacy, community, and refined living. Steeped in history and artistic heritage, Old Lyme is perhaps best known as the birthplace of American Impressionism. The celebrated Florence Griswold Museum remains at the heart of the town's identity, surrounded by galleries, preserved architecture, and a deep appreciation for the arts that continues to shape the community today. Life in Old Lyme unfolds at a more intentional pace. Mornings begin with quiet walks along tree-lined roads or by the water's edge, while afternoons are spent boating along the Lieutenant River, enjoying nearby beaches, or dining at beloved local establishments such as the Old Lyme Inn. Seasonal moments define the rhythm of life here from summer evenings to the longstanding tradition of the Hamburg Fair, a hallmark event that reflects the town's deep rooted community spirit. Throughout the year, Old Lyme remains vibrant yet serene, offering a lifestyle that feels both relaxed and richly connected. Despite its tranquil setting, Old Lyme is remarkably accessible ideally positioned between New York and Boston, making it an exceptional choice for those seeking a refined primary residence or a sophisticated coastal retreat within easy reach of major metropolitan areas.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Hardwood Floor | 13.0 x 14.0 | Upper |
| Bedroom 2 | Hardwood Floor | 14.0 x 13.0 | Upper |
| Bedroom 3 | Hardwood Floor | 12.0 x 13.0 | Upper |
| Bedroom 4 | Hardwood Floor | 12.0 x 13.0 | Upper |
| Dining Room | 9 ft+ Ceilings,Fireplace,Hardwood Floor | 14.0 x 15.0 | Main |
| Eat-In Kitchen | 9 ft+ Ceilings,Granite Counters,Island,Sliders,Hardwood Floor | 13.0 x 27.0 | Main |
| Family Room | 9 ft+ Ceilings,Built-Ins,Fireplace,French Doors,Hardwood Floor | 17.0 x 19.0 | Main |
| Living Room | 9 ft+ Ceilings,Hardwood Floor | 14.0 x 17.0 | Main |
| Other | Hardwood Floor | Upper | |
| Primary BR Suite | Full Bath,Walk-In Closet,Hardwood Floor | 14.0 x 18.0 | Upper |
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NMLS Mortgage Loan Originator ID 81725
|
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $960,000 | $960,000 | $960,000 |
| 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 | $963 | $963 | $963 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,376 | $5,833 | $8,036 |
| Total Monthly Payment | $6,464 | $6,921 | $9,124 |
* 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.