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15 Higgins Street, #123, Smithfield, RI, 02917 | $270,000
GREAT PRICE!! First floor one/two bedroom condo in Homestead Mills. Unit location is perfect with easy access to back lot and main entrance and no neighbors on either side of unit. One bedroom with large walk in closet. Renovated bathroom with new sink/toilet/tub. Kitchen is fully applianced. Large sun filled living room and additional study that could easily be a second bedroom as needed. Washer & dryer in unit with plenty of closet areas. Solid wood doors. Oversized mill style windows. Vaulted ceilings. New roof/membrane/insulation all done in late 2024. Two new boilers in main building installed in Feb 2026. Owner pays electric only and a one time annual fee to the Town for water/sewer. HVAC system in unit. Secure & safe building. Storage room for kayaks & bikes and additional large storage locker located near the unit. Great access to RT295/RT 7. Georgiaville Pond is a short walk for recreation/boating and beach. Support dogs and service dogs ARE allowed with board permission. Easy to maintain and budget. SELLER WILL PAY OFF ASSESSMENT FOR NEW ROOF AT CLOSING. Come take look !! Great place to start or to downsize.
Features
- Parking: 1-car
- Heating: Electric,Forced Air
- Cooling: Heat Pump,1 Unit
- Amenities: Near Schools,Pool,Recreation Area,Restaurant,Shopping
- Rooms: 4
- Bedrooms: 1
- Baths: 1 full
- Laundry: In Unit
- Year Built: 1989
- Common Charge: $437 Monthly
- Approx Sq. Feet: 950
- Est. Taxes: $2,787
- Lot Desc: Paved
- Pets Allowed: Yes
- Appliances: Common Water Heater,Dryer,Dishwasher,Microwave,Oven,Range,Refrigerator,Washer
- MLS#: 1408382
- Website: https://www.raveis.com
/prop/1408382/15higginsstreet_smithfield_ri?source=qrflyer
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William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@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
15 Higgins Street, #123, Smithfield, RI, 02917
$270,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $216,000 | $216,000 | $216,000 |
| 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 | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $232 | $232 | $232 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,330 | $1,364 | $1,794 |
| Total Monthly Payment | $1,637 | $1,671 | $2,101 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
RI Mortgage Lender & Mortgage Broker #20051918LL & #20051919LB