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492 Circle Drive, Torrington, CT, 06790 | $359,900
Welcome home to this well maintained 4-bedroom, 2. 5 bath Cape located on a very low traveled circle on the desirable upper east side. This spacious home offers many updates and features throughout including hardwood floors in most living areas, updated kitchen counters, updated bathrooms, and a bright sunroom overlooking the backyard. The living space is complemented by two fireplaces, including one with a pellet stove insert for added warmth and efficiency. The finished walkout lower level adds an additional 700+ sq ft of living space and leads to a three-season sunroom which will take you to the beautifully landscaped yard filled with established perennials. Additional highlights include a 2-car garage with attic storage, a 23x23 workshop perfect for hobbies or additional storage, and a 3-zone oil fired hot water baseboard heating system. Energy improvements include a professional energy audit completed in 2020 along with the addition of 16 inches of blown-in attic insulation, newer vinyl windows and a new architectural roof installed in 2023. There also is a whole house fan that helps reduce the costs of using air conditioning. The property is served by well water and city sewer. Conveniently located near shopping, schools, and local amenities while offering a peaceful neighborhood setting.
Features
- Rooms: 10
- Bedrooms: 4
- Baths: 2 full / 1 half
- Laundry: Lower Level
- Style: Cape Cod
- Year Built: 1965
- Garage: 2-car Attached Garage,Off Street Parking
- Heating: Hot Water
- Cooling: Whole House Fan
- Basement: Full,Partially Finished,Full With Walk-Out
- Above Grade Approx. Sq. Feet: 1,666
- Below Grade Approx. Sq. Feet: 750
- Acreage: 0.29
- Est. Taxes: $6,348
- Lot Desc: Lightly Wooded,Level Lot
- Elem. School: Per Board of Ed
- High School: Torrington
- Appliances: Oven/Range,Microwave,Range Hood,Refrigerator,Dishwasher,Washer,Dryer
- MLS#: 24179263
- Website: https://www.raveis.com
/prop/24179263/492circledrive_torrington_ct?source=qrflyer
Listing courtesy of Northwest CT Realty Phone: (860) 379-7245
Room Information
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Walk-In Closet | 10.0 x 13.0 | Main |
| Bedroom 2 | 12.0 x 15.0 | Upper | |
| Bedroom 3 | 12.0 x 15.0 | Upper | |
| Dining Room | 13.0 x 13.0 | Main | |
| Family Room | 20.0 x 26.0 | Lower | |
| Kitchen | 11.0 x 13.0 | Main | |
| Living Room | 13.0 x 17.0 | Main | |
| Office | 10.0 x 13.0 | Lower | |
| Primary Bedroom | 11.0 x 24.0 | Upper | |
| Sun Room | 9.0 x 10.0 | Lower |
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
- Showcase your home on raveis.com with a larger and more prominent format
- 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.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@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
Robert ReadeInsurance Sales Director, William Raveis Insurance
860.690.5052
Robert.Reade@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
Ray CashenPresident, William Raveis Attorney Network
203.925.4590
For homebuyers and sellers, our Attorney Network:
- Consult on purchase/sale and financing issues, reviews and prepares the sale agreement, fulfills lender
requirements, sets up escrows and title insurance, coordinates closing documents - Offers one-stop shopping; to satisfy closing, title, and insurance needs in a single consolidated experience
- Offers access to experienced closing attorneys at competitive rates
- Streamlines the process as a direct result of the established synergies among the William Raveis Family of Companies
492 Circle Drive, Torrington, CT, 06790
$359,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $287,920 | $287,920 | $287,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $529 | $529 | $529 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,724 | $1,796 | $2,372 |
| Total Monthly Payment | $2,328 | $2,400 | $2,976 |
* 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
CT Mortgage Correspondent Lender License 15524