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The Cottage Villa, circa 1875, has one of the finest views in town. Overlooking the Fenton River Valley, it has sweeping views of the Hanks Hill mill pond, its waterfall, and neighboring fields, stone walls, and woodlands. Built by Philo Hanks, a pioneer in the U. S. silk industry, this historic homestead is adorned with intricate architectural details, inside and out. The wraparound covered porch and stone patio are perfectly oriented to take in the grand vista. Mature landscaping surrounds the home, complemented by an outdoor shower, a deck, and 10'x12' shed. Inside the fenced-in garden there's an additional garden/tool shed (or chicken coop), along with multiple raised beds filled with richly-composted soil for fruits, vegetables, and perennials. Blueberry and raspberry bushes guarantee sweet summer times. A charming carriage house with a second story sits just off the deck and patio, offering a versatile extension of the outdoor living experience - ideal as a gathering space, studio, home office, or potential guest suite conversion. Inside, the home blends elegance and sophistication with modern functionality. Original features have been carefully preserved or restored, with updates designed to complement the historic character. The home features detailed trim work, wide board floors, high ceilings, impressive wood paneled doors, and tall windows throughout. The main level includes a grand foyer with a curved staircase, a front parlor with gliding pocket doors opening to the living room, a formal dining room, and a beautifully renovated kitchen with soapstone counters, custom cabinetry, wine fridge, and a cozy sitting area with a propane warming stove. A mudroom and a half bath with laundry appliances complete the first floor. All four bedrooms and two full bathrooms are located on the second level. The primary suite has its own full bath and a walk in dressing room/closet. The basement offers a wine cellar, built-in storage, and updated mechanicals. Modern upgrades include ductless heating/cooling throughout, a hybrid hot water heater, owned solar panels, a standby whole-house generator, and double paned windows - ensuring comfort and efficiency without compromising the home's timeless charm.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Book Shelves,Ceiling Fan,Wide Board Floor | 9.0 x 14.0 | Upper |
| Bedroom 2 | Wide Board Floor | 15.0 x 13.0 | Upper |
| Bedroom 3 | Book Shelves,Built-Ins,Wide Board Floor | 14.0 x 14.0 | Upper |
| Dining Room | 9 ft+ Ceilings,Wide Board Floor | 14.0 x 12.0 | Main |
| Family Room | 9 ft+ Ceilings,Ceiling Fan,Wide Board Floor | 14.0 x 14.0 | Main |
| Full Bath | Tile Floor | Upper | |
| Half Bath | Laundry Hookup,Tile Floor | Main | |
| Kitchen | Remodeled,9 ft+ Ceilings,Gas Log Fireplace,Pantry,Wide Board Floor | 13.0 x 15.0 | Main |
| Living Room | 9 ft+ Ceilings,Book Shelves,Built-Ins,Wide Board Floor | 16.0 x 18.0 | Main |
| Primary BR Suite | Dressing Room,Full Bath,Stall Shower,Walk-In Closet,Wide Board Floor | 14.0 x 15.0 | Upper |
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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 | $520,000 | $520,000 | $520,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.375% | 6.638% | 5.972% |
| Monthly Tax Payment | $482 | $482 | $482 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,202 | $3,287 | $4,318 |
| Total Monthly Payment | $3,776 | $3,861 | $4,892 |
* 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.