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Welcome to 1596 Elm Street, a rare waterfront retreat along the scenic Housatonic River in Stratford. Overlooking Mac's Harbor - the historic landing site of Stratford's first settlers in 1639 - this distinctive costal home blends timeless 1860 character with contemporary updates. Vaulted ceilings and an open-concept main level create a bright, airy living space designed to capture the beauty; of the surrounding landscape. Two spacious decks overlook the river, perennial gardens, and winding paths, offering a private oasis where egrets, swans and passing boats become part of everyday life. Conveniently located near the Metro-North train station, Stratford Library, Sterling Community Center, Baldwin Senior Center, beaches, restaurants, a par-3 golf course, marinas, and many other local amenities. The main house features a welcoming living room with a raised-hearth wood-burning fireplace and vaulted ceiling, a dining room, study, table-sized kitchen, half bath and utility room/closet. Rich hardwood wide-plank and peg floors add warmth and historic charm throughout the main level. Upstairs, you'll find the primary bedroom, a hallway bath w/laundry, and an office currently used as a bedroom. Connected through the main living area is a versatile two-level in-law apartment with it's own private entrance. This space includes a living/dining area with built-ins, kitchen, upstairs bedroom and full bath with skylight. The upper level is cooled by a mini-split system. There is generous closet space, making it ideal for guests, extended family, or flexible living arrangements. There is a main level workshop abutting the parking area . . . space for 6-7 cars in the parking area. The property is heated with natural gas and also has central air conditioning, city water and city sewer. The lower level is unfinished. Make this riverfront retreat your own and enjoy a unique blend of history, nature and coastal living in one of Stratford's most picturesque waterfront settings. Whether relaxing on the decks overlooking the Housatonic River, entertaining, or enjoying the flexibility of the private in-law suite, 1596 Elm Street offers a rare opportunity to create your ideal home surrounded by beauty, tranquility, and community amenities.
| Type | Description | Level |
|---|---|---|
| Bedroom 1 | Upper | |
| Dining Room | Main | |
| Full Bath | Upper | |
| Full Bath | Upper | |
| Half Bath | Main | |
| Kitchen | Main | |
| Kitchen | Vinyl Floor | Main |
| Living Room | Vaulted Ceiling,Book Shelves,Fireplace,Hardwood Floor | Main |
| Living Room | Built-Ins,Combination Liv/Din Rm,Wall/Wall Carpet | Main |
| Office | Upper | |
| Other | Main | |
| Primary Bedroom | Upper | |
| Study | Main |
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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 | $487,200 | $487,200 | $487,200 |
| 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 | $761 | $761 | $761 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,918 | $3,039 | $4,013 |
| Total Monthly Payment | $3,771 | $3,892 | $4,866 |
* 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.