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Set on a peaceful stretch of Lake Road, this thoughtfully designed home blends passive solar efficiency with inviting indoor-outdoor living. The back of the home faces south, capturing natural light throughout the day and enhancing the home's warm, comfortable feel. Outside, the property offers a spacious fenced in backyard (0. 5 acre area & 4 ft high) bordered by a gentle stream that draws birds & wildlife to the edge of the lot. Heirloom roses, elderberry, & magnolia plantings add seasonal color and charm. A large, shaded covered front porch is the perfect place to escape the sun. Inside, the home has been freshly painted with high quality paint and features beautiful wood floors throughout. The home's minimalistic kitchen opens into a bright, airy living space with a working fireplace and enhanced by an impressive wall of windows and two sets of French doors, creating a seamless indoor-outdoor connection to the ground level deck. The main level includes a bedroom with its own French door leading to the back deck, along with a convenient laundry room and half bath. Upstairs, you'll find a full bath and 2 additional bedrooms, including one that is exceptionally spacious allowing for a sitting area, yoga corner, or office nook. The partially finished lower level stays naturally cool in summer and becomes wonderfully cozy in winter with the efficient Harman pellet stove. Smart lighting with Wiz bulbs runs throughout the home, allowing you to set the perfect mood in every room. An oversized attached 2 car garage provides excellent storage for tools, garden supplies, and outdoor gear. Located just minutes from resident only Columbia Lake. This property offers a balanced blend of comfort, simplicity, and an unbeatable location in the heart of Columbia. *Offer Deadline: Tuesday, 5/26 at 7pm*
| Type | Description | Level |
|---|---|---|
| Bedroom 1 | French Doors,Hardwood Floor | Main |
| Bedroom 2 | Hardwood Floor | Upper |
| Family Room | Pellet Stove,Tile Floor | Lower |
| Full Bath | Tub w/Shower | Upper |
| Half Bath | Laundry Hookup | Main |
| Kitchen | Country,French Doors,Island | Main |
| Living Room | Combination Liv/Din Rm,Fireplace,French Doors,Hardwood Floor | Main |
| Primary Bedroom | Hardwood Floor | 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 | $264,000 | $264,000 | $264,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $357 | $357 | $357 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,625 | $1,667 | $2,192 |
| Total Monthly Payment | $2,057 | $2,099 | $2,624 |
* 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.