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This three-bedroom, two-full-bathroom Berkshire model condo in Heritage Circle, Southbury, offers a private setting on a cul-de-sac. The Heritage Circle community features 89 condominiums and provides residents with access to a pool and tennis courts. Inside, the home boasts an open floor plan with oversized tile flooring. The kitchen is equipped with blue cabinets, pull-out drawers, a pantry, stainless steel appliances, quartz countertops, and white subway tile. It opens directly to the dining room, which features new sliders leading to a spacious patio and scenic views. The living room, connected to the dining area, includes built-ins, new sliders, an electric fireplace, and a ceiling fan. The sliders are fitted with sliding shades for light control. The primary bedroom offers built-ins, a walk-in closet, and a full bath with two sinks and a shower stall. Two additional bedrooms are also equipped with automatic darkening shades. The property includes attic insulation and a two-car garage with storage and workspace. Further enhancing the home's functionality are a whole-house generator, operated by propane, and an ambulance strobe locator. A one-time buy-in fee to Heritage Circle is required at closing, which is four times the monthly HOA fee. The HOA fee for Heritage Circle typically ranges from approximately $414 to $642 per month and covers amenities such as grounds maintenance, trash removal, snow removal, and pool service.
| Type | Description | Level |
|---|---|---|
| Bedroom 1 | 9 ft+ Ceilings,Tile Floor | Main |
| Bedroom 2 | 9 ft+ Ceilings,Hardwood Floor | Main |
| Dining Room | 9 ft+ Ceilings,Sliders,Tile Floor | Main |
| Kitchen | Remodeled,9 ft+ Ceilings,Ceiling Fan,Quartz Counters,Galley,Tile Floor | Main |
| Living Room | 9 ft+ Ceilings,Built-Ins,Ceiling Fan,Fireplace,Sliders,Tile Floor | Main |
| Primary Bedroom | 9 ft+ Ceilings,Bedroom Suite,Built-Ins,Full Bath,Walk-In Closet,Hardwood Floor | Main |
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NMLS Mortgage Loan Originator ID 12578
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $420,000 | $420,000 | $420,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.304% | 5.648% |
| Monthly Tax Payment | $472 | $472 | $472 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,484 | $2,552 | $3,404 |
| Total Monthly Payment | $3,048 | $3,116 | $3,968 |
* 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.