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21 Chapel Drive greets you with an expansive front porch, perfectly positioned to capture the cooling breezes of Long Island Sound at the end of the street. This warm and inviting home is bathed in exceptional natural light throughout the day. Inside, the formal living and dining rooms flow seamlessly, setting the stage for elegant entertaining anchored by an expansive fireplace. The heart of the home is the kitchen where large windows frame picturesque views of the historic Pine Orchard Chapel. The open concept kitchen welcomes everyone to come and stay for a while. There is plenty of counter and storage space and there are two cooking areas: a gas stove and an electric cooktop. It is adjacent to the family room with its pretty built in China cabinet and private office overlooking the rear deck, complete with a pergola and a quiet landscaped yard and one car oversize detached garage. Upstairs, the primary suite offers a peaceful sanctuary featuring a versatile nook - ideal for a nursery or perhaps a yoga studio. The ensuite bath features a jetted tub & bidet. Across the hall is a bedroom that mirrors the primary with a nook as well. In between these bedrooms is a flex room that can be used as an office, tv room, or for guests. There is also another bedroom, and a sitting room with a cedar closet could be used as a 4th bedroom on the along with a full bath. There is a lot of flexibility and options for sleeping arrangements when guests come. This coastal Craftsman style home is more than just a home; it is an invitation to a slower pace of life in the heart of Pine Orchard, an historic water area community. The lifestyle here extends beyond the front door. Imagine going for a morning walk along the Shoreline Greenway Trail, or instead of a stroll around the neighborhood, taking your dog to the Young's Pond Dog Park. For the active lifestyle, Pine Orchard Yacht & Country Club is moments away, providing golf, tennis, boating and swimming. Come see what it means to live a life well-lived by the water.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Wall/Wall Carpet | 11.9 x 12.0 | Upper |
| Bedroom 2 | Wall/Wall Carpet | 14.5 x 11.6 | Upper |
| Dining Room | Combination Liv/Din Rm,Fireplace | 16.6 x 15.5 | Main |
| Family Room | Built-Ins | 14.1 x 15.2 | Main |
| Kitchen | Breakfast Bar,Half Bath,Laundry Hookup,Pantry,Tile Floor | 18.1 x 17.6 | Main |
| Living Room | Fireplace | 16.6 x 15.5 | Main |
| Office | Ceiling Fan | 7.8 x 9.6 | Main |
| Office | Wall/Wall Carpet | 8.3 x 10.2 | Upper |
| Primary Bedroom | Full Bath,Hydro-Tub,Wall/Wall Carpet | 20.2 x 12.1 | Upper |
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $959,200 | $959,200 | $959,200 |
| 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 | $964 | $964 | $964 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,371 | $5,828 | $8,030 |
| Total Monthly Payment | $6,460 | $6,917 | $9,119 |
* 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.