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27 Ricks Road, Charlestown, RI, 02813 | $550,000
Overlooking Watchaug Pond in the private tranquil community of Sonquipaug, this distinctive A-frame cottage, with seasonal water views, blends architectural charm with peaceful pond side living. Residents of the association enjoy exclusive access to boat and kayak launches, multi slip dock, private sandy beach, grassy picnic area, fishing, swimming and a cherished annual community gathering. A golf cart, included with the home, is the preferred mode of transportation to the pond. Nestled among mature trees, it has been said that the front deck of this unique cottage provides a treehouse-like perspective in summer, while winter reveals tranquil pond views and beautiful sunsets that enhance the year round appeal. Inside, the home offers two bedrooms and two bathrooms, including a loft-style retreat accessed by a ships ladder. A walk-out lower level connected inside by a spiral staircase, adds flexibility for living, guests or recreation. Andersen windows and two ductless mini-splits provide comfort throughout the seasons. In addition to the amazing community amenities, it is located under five miles to four beautiful Charlestown beaches, a short drive to Ninigret Park, Burlingame State Park and many hiking trails, allowing you to immerse yourself in the natural beauty of the area.
Features
- Amenities: Highway Access,Near Schools,Pool,Recreation Area,Tennis Court(s)
- Rooms: 6
- Bedrooms: 2
- Baths: 2 full
- Style: Cabin
- Year Built: 1983
- Garage: No Garage
- Heating: Ductless,Electric,Hot Water,Oil
- Cooling: Ductless
- Basement: Exterior Entry,Full,Interior Entry,Partially Finished
- Approx Sq. Feet: 1,508
- Acreage: 0.21
- Est. Taxes: $2,524
- HOA Fee: $550 Annually
- View: Water
- Appliances: Dryer,Electric Water Heater,Microwave,Oven,Range,Refrigerator,Water Heater,Washer
- MLS#: 1404914
- Website: https://www.raveis.com
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888.699.8876
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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
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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
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
27 Ricks Road, Charlestown, RI, 02813
$550,000
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 | $440,000 | $440,000 | $440,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.750% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.634% | 6.890% | 6.078% |
| Monthly Tax Payment | $210 | $210 | $210 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,709 | $2,854 | $3,683 |
| Total Monthly Payment | $3,011 | $3,156 | $3,985 |
* 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