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Tucked away in the highly sought-after coastal community of Jerusalem, this charming year-round beach cottage offers the perfect blend of seaside charm, comfort, and flexibility. Set on a rare double lot, this well-loved 2-bedroom, 1-bath home features 1, 116 sq ft of inviting living space designed for easy coastal living. Inside, you'll find a full kitchen, dedicated dining room, and a comfortable living room with a slider leading to the back deck and spacious backyard complete with a firepit area, perfect for relaxing after a day at the beach.
A large enclosed outdoor shower with an attached changing room adds to the classic beach cottage experience, making rinsing off after sandy beach days both easy and private. Upstairs, a versatile bonus space provides endless possibilities for additional sleeping quarters, a home office, playroom, or cozy retreat for guests. Start your mornings enjoying beautiful sunrises from the front porch and end your evenings taking in spectacular sunset skies from the back deck.
Located within walking distance to the beach, iconic Jim's Dock, and Point Judith Pond where you can watch the Block Island Ferry and local fishing boats come and go, this special property captures the essence of Rhode Island coastal living. Whether you're searching for a year-round residence, summer getaway, or investment opportunity, this Jerusalem cottage is a rare find in one of the area's most treasured seaside neighborhoods.
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William Raveis Real Estate
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NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $899,200 | $899,200 | $899,200 |
| 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 | $352 | $352 | $352 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,035 | $5,464 | $7,527 |
| Total Monthly Payment | $5,512 | $5,941 | $8,004 |
* 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.