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**HIGHEST AND BEST DUE BY TODAY MONDAY 4/06 BY 6PM**Tucked into a quiet Ellington neighborhood, 8 Gem Drive offers the kind of easy, comfortable living that feels right the moment you arrive. Set on a large, private yard framed by mature trees, this inviting ranch blends thoughtful updates with everyday functionality. Inside, natural light fills the living spaces with hardwood underneath the carpets, creating a warm and welcoming flow. The updated kitchen with newer appliances and the remodeled full bathroom bring a fresh, modern touch, while three well-sized bedrooms, with hardwood underneath the carpeting, provide comfortable space to unwind. Recent upgrades-including a new furnace, central air, and washer/dryer (all within the last 2-3 years), new leaf guard gutter system -offer peace of mind for years to come. Out back, the home truly shines. A composite deck with a remote-controlled awning sets the stage for slow mornings or lively evenings, complete with a 5-burner gas grill and propane fire pit. Two outbuildings add flexibility for storage or hobbies, and the expansive yard invites you to relax, garden, or entertain. The partially finished basement offers endless potential for future living space, while a one-car attached garage and newer driveway add everyday convenience. Just minutes from Crystal Lake, Shenipsit State Forest, and local favorites like Cold Creek Brewery, this home offers a perfect blend of privacy, updates, and location.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Wall/Wall Carpet | 8.6 x 8.1 | Main |
| Bedroom 2 | Wall/Wall Carpet | 10.1 x 10.4 | Main |
| Dining Room | Main | ||
| Eat-In Kitchen | Ceiling Fan,Tile Floor | 11.2 x 18.0 | Main |
| Family Room | Fireplace,Wall/Wall Carpet | 22.5 x 11.1 | Main |
| Full Bath | Granite Counters | 7.9 x 5.0 | Main |
| Great Room | 22.4 x 16.6 | Lower | |
| Living Room | Wall/Wall Carpet | 10.1 x 17.3 | Main |
| Primary Bedroom | Ceiling Fan,Wall/Wall Carpet | Main |
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William Raveis Real Estate
Phone: 888.699.8876
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William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
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 | $255,920 | $255,920 | $255,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.275% | 6.272% | 5.595% |
| Monthly Tax Payment | $412 | $412 | $412 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,493 | $1,555 | $2,074 |
| Total Monthly Payment | $1,980 | $2,042 | $2,561 |
* 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.