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Nestled in one of Waterford's most desirable coastal neighborhoods, this charming Cape Cod style home offers the perfect blend of seaside living and modern updates, complete with beach rights to the sought-after Strand Beach. Inside the beautifully redesigned kitchen is the heart of the home, featuring wide plank French oak floors, a spacious center island, coffee bar, candlelight custom cabinetry and a dining area with sliders that lead to the maintenance-free Ipe deck. The inviting living room showcases hardwood floors, a cozy wood-burning fireplace, ceiling fan, and over-sized windows that fill the space with natural light. Just off the front entry, a versatile den with hardwood floors and a sun-filled bay window offers the perfect home office or quiet retreat. The main level also includes a full bath and an impressive mudroom with cathedral wood ceilings, tile floors, custom built cubbies and a utility sink perfect for coastal living. Upstairs, the primary suite is complete with hardwood floors, a ceiling fan, walk-in closet, and a beautifully remodeled, spa-like bath featuring a stone surround soaking tub, tiles walk-in shower, and double sinks. Two additional bedrooms offer hardwood floors and ceiling fans, providing comfort and style throughout. A unique feature of the home includes an additional stairway leading to a private space above the garage with an art studio and additional room, offering endless creative possibilities or a bedroom/office Additional highlights include an electric vehicle charger, an electric pet fence and a new roof, installed in 2025. Efficient heating and cooling include split units on the second level, while main level is serviced by a heat pump and hot air with oil backup. Enjoy outdoor living with access to trails and a bridge leading to Harkness Memorial State Park's open space. Perfect for hiking and exploring nature. This exceptional property combines classic Cape charm with thoughtful updates, all in a premier shoreline location just moments from the beach.
| Type | Description | Level |
|---|---|---|
| Bedroom 1 | Ceiling Fan,Hardwood Floor | Upper |
| Bedroom 2 | Ceiling Fan,Hardwood Floor | Upper |
| Den | Bay/Bow Window,French Doors,Hardwood Floor | Main |
| Dining Room | Sliders,Hardwood Floor | Main |
| Kitchen | Quartz Counters,Island,Hardwood Floor | Main |
| Living Room | Ceiling Fan,Fireplace,Sunken,Hardwood Floor | Main |
| Office | Ceiling Fan,Hardwood Floor | Upper |
| Other | Ceiling Fan,Studio,Hardwood Floor | Upper |
| Primary BR Suite | Ceiling Fan,Full Bath,Stall Shower,Walk-In Closet,Hardwood Floor | Main |
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $840,000 | $840,000 | $840,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 6.125% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.117% | 6.235% | 6.058% |
| Monthly Tax Payment | $837 | $837 | $837 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $4,704 | $5,104 | $7,032 |
| Total Monthly Payment | $5,665 | $6,065 | $7,993 |
* 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.