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Welcome to 12 Howard Road a twelve-acre bucolic retreat minutes from everything, yet feeling worlds away. Set along the serene shores of Howard Pond and the Abbott Run across four parcels sold together, this extraordinary Cumberland estate was lovingly cultivated by a Master Gardener of Rhode Island. Giant oaks and pines span the property on all sides, wild native plants emerge in glorious succession along the shoreline each spring and summer, and spectacular sunsets reflect across the water each evening. Magnificent blooming Dogwood trees, Japanese maples, and established gardens complete a setting of breathtaking, ever-changing beauty. The classic Colonial delivers five bedrooms and three-and-a-half baths with hardwood floors throughout, stone countertops throughout, and all bathrooms retiled within the last five years. A wood-paneled living room with exposed beams flows into an unexpectedly oversized eat-in kitchen, while a distinguished cherry office with built-in bookshelves and cherry floors adds a rare finishing touch. The fully self-contained in-law suite features a private entrance, full kitchen, bedroom, full bath, and a three-season porch with panoramic pond and backyard views. Outside, large bluestone patios, ample off-street parking across two driveways, and a four-car garage round out this truly rare Cumberland offering.
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Our Executive Mortgage Banker:
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$995,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
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 | $796,000 | $796,000 | $796,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.165% | 6.361% | 6.183% |
| Monthly Tax Payment | $587 | $587 | $587 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,520 | $4,901 | $6,717 |
| Total Monthly Payment | $5,199 | $5,580 | $7,396 |
* 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.