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This home is as close to new as you can get but without the wait for new construction. This home has high end finish work and a very impressive master bedroom setup with a doorless tile shower. The curb appeal is impressive and you'll see the quality craftsmanship before you get through the main entry door. You won't be let down when you get in and see the staircase with impressive stairway and 9 ft ceilings on the first floor. The open kitchen living dining has granite counters with cabinets to the ceiling and a walk-in pantry. You'd have your work cut out to fill all this kitchen space and an island with a breakfast bar leads to a living room with built-in shelving. An additional room on this floor could be a formal dining area or a living space. The entry area from the garage has a true "mudroom" with a deep sink and a 1/2 bath. The first floor also benefits from an office with built-in shelving. The first floor also has radiant heat and a minisplit heat/AC pump. The second floor is equally impressive with an 18x21 master bedroom and an 11x10 master bath with open tile shower and twin vanity. The second floor benefits from 2 heat/AC pumps, one in the master and one to support the two additional bedrooms that share a full bath with tile surround. No stairs here for the laundry. A laundry room is on the bedroom level. The garage won't disappoint either as it's a 26x30 with overhead storage area that is accessed by a stairway in the garage. The backyard has a stone patio and is encased in trees. Maple Grove Estates is a sought-after development and you'd be hard pressed to build this at this price with this level of finish work. The home is just a couple miles from the Champlain Country Club and 3 miles from I-89 exit 20 St. Albans.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $495,200 | $495,200 | $495,200 |
| 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 | $611 | $611 | $611 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,049 | $3,130 | $4,112 |
| Total Monthly Payment | $3,752 | $3,833 | $4,815 |
* 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.