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Charming 1919 Colonial on Over Half an Acre in Watertown! 82 Porter Street, Watertown, CT 06795 Step into timeless character with this classic 3-bedroom, 1-bath single-family home nestled on a generous 0. 52-acre lot. Offering 1624 sq ft of living space. Basement and walk up attic. This two-story residence provides a fantastic opportunity for personalization and value-adding updates. Inside, you'll find three spacious bedrooms and a full bath. With solid bones, this property is a blank canvas ready for modern touches like new flooring, fresh paint, updated fixtures, and contemporary finishes. Outside, the large, level lot is a standout feature rarely found at this price point. Enjoy plenty of room for gardening, outdoor entertaining, a future workshop, or simply relaxing in your private backyard. Located in a convenient Watertown neighborhood, you're just minutes from local schools, shopping, dining, parks, and major commuting routes. Whether you're a first-timer looking to build equity, a renovator seeking your next project, or someone who appreciates historic homes with room to grow, this property offers incredible potential. Key Details: - 3 Bedrooms - 1 Bathroom - 1, 624 sq ft living space - 0. 52-acre lot - heated porches, deck, giant shed Watertown is a charming, family-friendly town located in the Naugatuck Valley Planning Region of Litchfield County. With a population of approximately 22, 000, it delivers a relaxed, quasi-rural/suburban feel while providing easy access to everyday amenities. Residents enjoy a median household income above the state average, low crime rates compared to many nearby areas, and a strong sense of community. The town was incorporated in 1780 and maintains its historic character with tree-lined streets, parks, and scenic views of the surrounding Litchfield Hills. Location & Commuting 82 Porter Street offers an ideal location with quick access to shopping, dining, and recreation. You're minutes from major routes including US Route 6, Interstate 84, and Route 8, making commutes to Waterbury, Hartford, Danbury, and even the Massachusetts Turnpike straightforward. Local conveniences include grocery stores, restaurants, pharmacies, and small shops - many within a short drive. Outdoor enthusiasts will love nearby parks, hiking trails, lakes, and open spaces for year-round activities. Schools & Education Watertown is served by the Watertown School District, which includes John Trumbull Primary (Pre-K-2), Judson and Polk Elementary Schools (3-5), Swift Middle School (6-8), and Watertown High School (9-12). The district earns solid marks for academics and extracurriculars, with a focus on preparing students for college and career success. Watertown is also home to the prestigious Taft School, a nationally recognized private college-preparatory academy that adds cultural and educational vibrancy to the community. Whether you're raising a family or value strong local education options, Watertown provides a supportive environment for students of all ages. This property represents a fantastic opportunity for buyers seeking sweat equity in a town with excellent long-term potential. The spacious lot invites gardening, outdoor entertaining, or future expansions, while the home's solid bones and three generous bedrooms offer a wonderful foundation for your vision.
| Type | Level |
|---|---|
| Bedroom 1 | Upper |
| Bedroom 2 | Upper |
| Dining Room | Main |
| Living Room | Main |
| Primary Bedroom | Upper |
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|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $239,999 | $239,999 | $239,999 |
| 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 | $355 | $355 | $355 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,478 | $1,515 | $1,993 |
| Total Monthly Payment | $1,908 | $1,945 | $2,423 |
* 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.