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Expanded over the years, this 3-bedroom ranch offers great living space and so much potential. The original portion of the home includes two comfortably accessible bedrooms, a den, large first floor laundry room and a third, rear bedroom with potential for a private, primary en suite. The connecting room was prepared with moisture resistant sheetrock in anticipation of adding a full bathroom and the unfinished bonus space off the back previously held a hot tub. In addition to the original floor plan is the 2014 addition that includes a spacious, vaulted family room, dining room with tray ceiling, oversized mudroom and attached 2 car garage with a bonus room that is currently set up as a wood working shop but has the potential to create even more living space. The yard reflects years of personal care featuring handcrafted garden accents and decorative birdhouses, a fenced garden area and a storage shed. Recent upgrades include newer electrical service and generator hookup, newer furnace, oil tank, water heater, refrigerator and range. There are two separate basement spaces. The original houses mechanicals and the second, beneath the addition, offers excellent storage or potential for future finishing. Located in Heritage Farms and close to Columbia Lake with easy access to Routes 6, 87 & 66 This is an estate and is being sold as is. Seller believes there is a deeded right of way to Columbia Lake - buyers and buyers agent should perform due diligence to verify
| Type | Description | Dimensions | Level |
|---|---|---|---|
| Bedroom 1 | Ceiling Fan,Laminate Floor | 10.0 x 12.0 | Main |
| Bedroom 2 | Built-Ins,Wall/Wall Carpet | 9.5 x 10.0 | Main |
| Den | Skylight,Cathedral Ceiling,Laminate Floor | 12.0 x 13.0 | Main |
| Dining Room | Vaulted Ceiling,Sliders,Laminate Floor | 12.0 x 18.0 | Main |
| Family Room | 9 ft+ Ceilings,Cathedral Ceiling,Ceiling Fan,Laminate Floor | 16.0 x 18.0 | Main |
| Full Bath | Vaulted Ceiling,Granite Counters,Tub w/Shower,Tile Floor | Main | |
| Kitchen | Vinyl Floor | 12.0 x 12.0 | Main |
| Living Room | Skylight,Vaulted Ceiling,Laminate Floor | 15.0 x 12.0 | Main |
| Primary Bedroom | Vaulted Ceiling,French Doors | 10.0 x 18.0 | 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 | $276,000 | $276,000 | $276,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.603% | 5.952% |
| Monthly Tax Payment | $468 | $468 | $468 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,653 | $1,743 | $2,292 |
| Total Monthly Payment | $2,196 | $2,286 | $2,835 |
* 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.