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Step into this beautiful home where thoughtful design, generous living spaces, and a welcoming atmosphere make everyday living truly special. Architecturally pleasing 55+ detached home located in rarely available, Podunk Ridge. Craftsman style bungalow design by RSK-Kellco Builders with a covered front porch for relaxing. One level living with open-concept and fully-applianced kitchen, dining area, and living room with gas fireplace. Sliders from living room lead to a newly carpeted sunroom with ceiling fan for quiet enjoyment overlooking private backyard. Home has been freshly painted and offers hardwood flooring. Ample storage and closet space with a first floor laundry w/stackable washer and dryer, pantry, and 2 car garage with attic access. Primary bedroom has large 11x9 walk-in closet with shelving system and tiled bath with double sink vanity and walk-in shower. 2nd Bedroom on first level and additional full bathroom off foyer. Central vac, hot wtr htr ('22) and newer hvac system ('24), add to the comfort. Amazing finished lower level for additional living space offering a recreation room, kitchenette, full bathroom, and workshop area with sink. On site HOA includes roofing, lawn maintenance, plowing, shoveling of driveway/walkways, lawn irrigation, and insurance. Owners can opt in for mulching. Clubhouse offers add'l parking for guests and can be rented for gatherings. Cul-de-sac, tree-lined street and sidewalks for walking. Don't miss out on this exceptional home.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | 9 ft+ Ceilings,Ceiling Fan,Full Bath,Hardwood Floor | 12.1 x 11.0 | Main |
| Kitchen | Skylight,9 ft+ Ceilings,Dining Area,Pantry,Hardwood Floor | 19.2 x 19.5 | Main |
| Living Room | 9 ft+ Ceilings,Combination Liv/Din Rm,Gas Log Fireplace,Hardwood Floor | 16.4 x 17.7 | Main |
| Primary Bedroom | 9 ft+ Ceilings,Full Bath,Walk-In Closet,Hardwood Floor | 14.8 x 13.1 | Main |
| Rec/Play Room | Full Bath,Wall/Wall Carpet | 27.5 x 31.7 | Lower |
| Sun Room | Ceiling Fan,Patio/Terrace,Sliders,Wall/Wall Carpet | 7.5 x 12.3 | Main |
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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 | $415,920 | $415,920 | $415,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.507% | 6.649% | 6.026% |
| Monthly Tax Payment | $695 | $695 | $695 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,561 | $2,626 | $3,454 |
| Total Monthly Payment | $3,348 | $3,413 | $4,241 |
* 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.