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COMPLETELY RENOVATED YEAR ROUND LAKE HOME. Welcome to an exceptional Crystal Lake offering. Perfectly positioned in a peaceful, sought after Ellington neighborhood, this beautifully renovated year round home includes a detached one car garage with a potential studio apartment above, offering outstanding flexibility for multi generational living, rental income, or a private lakeside retreat. The property includes direct access to the neighborhood's private beach and a dock for your boat, making lake living effortless. Step inside your thoughtfully redesigned residence, where an open concept kitchen and living area captures the lake views and natural light. Renovated from top to bottom with comfort, efficiency, and style in mind, the home features: - Two bedrooms and two full bathrooms - All new plumbing and electrical throughout - All new windows, siding, insulation, and a mini split heat/AC system, water softening system, 40 gallon water heater - Hickory floors and ceramic tile on the main level - Luxury vinyl flooring on the second level - Bright, modern kitchen with granite countertops, stainless steel appliances, and new cabinetry - A large deck (20 x20) overlooking the sparkling waters of Crystal Lake-perfect for morning coffee or sunset views - A main bedroom with its own balcony and beautiful lake view Detached one-car garage with new roof and finished upper-level space of approximately 250 sq. ft. , offering added privacy from the main home. Features include a kitchenette area, full bath, open layout, private deck with lake views, washer/dryer hookup in garage, and separate 40-gallon water heater. Buyers to perform their own diligence regarding permitted uses, occupancy options, and square footage. Enjoy all that Crystal Lake living has to offer, launch a kayak from your dock, entertain on the deck, or relax while taking in sunsets and year-round lake views. A wonderful setting for both seasonal enjoyment and everyday living.
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Remodeled,Ceiling Fan,Hardwood Floor | 11.0 x 10.0 | Main |
| Dining Room | Remodeled,Balcony/Deck,Pellet Stove,Hardwood Floor | 10.0 x 10.0 | Main |
| Living Room | Balcony/Deck,Beams,Sliders,Hardwood Floor | 10.0 x 19.0 | Main |
| Primary Bedroom | Skylight,Balcony/Deck,Whirlpool Tub,Sliders,Walk-In Closet,Vinyl Floor | 10.0 x 15.0 | Upper |
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NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $531,920 | $531,920 | $531,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.750% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.634% | 6.890% | 6.078% |
| Monthly Tax Payment | $644 | $644 | $644 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,275 | $3,450 | $4,453 |
| Total Monthly Payment | $4,011 | $4,186 | $5,189 |
* 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.