40 Irving St., Spencer, MA, 01562 | $429,900
This expanded Cape, featuring a classic blend of brick and vinyl siding, offers wonderful curb appeal and a charming sun filled enclosed porch that invites you to relax and explore all the home has to offer. Beautifully maintained and thoughtfully updated, this property reflects true pride of ownership. Inside, the traditional center-entrance layout welcomes you to a front-to-back livrm with hdwd fls, a wood-burning FP, and direct access to the enclosed porch w/sliders. The kitchen features Corian countertops w/island and all appliances are included. Just off the kitchen is a nicely sized dining room featuring a built-in cabinet. Upstairs, you’ll find two large front-to-back bedrooms, including one with bonus eave storage tucked behind a closet. The lower level includes a famrm w/wlkout to a patio and a large fenced back yard featuring raised garden beds. . NEW HEATING SYSTEM, NEWER ROOF, NEW 200AMP ELECTRIC PANEL, HDWD FLS THRUOUT MOST OF HOME AND CEILING FANS. You'll love it!!
Features
- Amenities: Public Transportation, Shopping, Laundromat, Public School
- Rooms: 7
- Bedrooms: 2
- Baths: 1 full / 1 half
- Laundry: Bathroom - 1/4, Flooring - Stone/Ceramic Tile, In Basement, Electric Dryer Hookup, Washer Hookup
- Style: Cape
- Year Built: 1955
- Basement: Full, Partially Finished, Walk-Out Access, Sump Pump
- Approx Sq. Feet: 1,792
- Acreage: 0.39
- Est. Taxes: $3,914
- Lot Desc: Cleared, Level
- Appliances: Water Heater, Range, Dishwasher, Microwave, Refrigerator, Freezer, Washer, Dryer
- MLS#: 73513711
- Website: https://www.raveis.com
/prop/73513711/40irvingst_spencer_ma?source=qrflyer
Listing by Karen J. Dame courtesy of Century 21 North East Phone: 978-635-3400
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Kate RockettRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 1500191
617.281.4872
Kate.Rockett@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Paul BerriosRegional SVP, Insurance Sales Producer, William Raveis Insurance
978-337-3053
Paul.Berrios@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
40 Irving St., Spencer, MA, 01562
$429,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Kate Rockett
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 617.281.4872
Kate.Rockett@raveis.com
NMLS Mortgage Loan Originator ID 1500191
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $343,920 | $343,920 | $343,920 |
| 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 | $326 | $326 | $326 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,118 | $2,172 | $2,856 |
| Total Monthly Payment | $2,519 | $2,573 | $3,257 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
MA Mortgage Lender and Mortgage Broker #MC2630