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If These Walls Could Talk. . . . . . they'd tell you a story 166 years in the making. Built in 1860, this home has had just three owners in over a century and a half - and the current ones have called it home for the last 42 years. That's not just longevity. That's love. These walls have plenty to say about the care that's gone into them, too. Somewhere along the way, the original plaster and lathe gave way to modern insulation and sheetrock - courtesy of the Youngs, who took the job seriously enough to work around the home's gorgeous original drapery door trim on the main level. The result: 21st-century comfort wrapped in 19th-century character. Nearly all of the windows have been updated for efficiency though one or two were left untouched on purpose - just enough old glass to remind you this house has history. The knob-and-tube wiring? Long gone. The light pouring through every window on a sunny day? Still very much here. The main level is where this home really gets to work for you: a den with sliders out to the garden, a kitchen dressed in cherry cabinets, a covered porch built for grilling season, a generously sized laundry room, a 3/4 bath, a formal dining room, a flexible bedroom or office, and a generously sized living room. Upstairs, three more bedrooms and a full bath await, along with two attic rooms just waiting for your imagination - walk-in closets, a home gym, or storage, the choice is yours. Step outside and the surprises keep coming. The extra-long detached barn/garage with workshop space, the classic car project you've been putting off, or both. The established gardens bloom from early spring clear through a glorious New England fall, and if you're patient, there's a particularly delicious bonus: an established asparagus bed that will be ready to harvest in 2027. Three owners. One hundred and sixty-some years. Countless sunny afternoons on that porch. The next chapter of 38 Prospect Street is just waiting for its next storyteller - could it be you?
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of PrimMLS. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 6/27/2026Our 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.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $270,800 | $270,800 | $270,800 |
| 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% | 6.512% | 5.866% |
| Monthly Tax Payment | $388 | $388 | $388 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,622 | $1,689 | $2,231 |
| Total Monthly Payment | $2,085 | $2,152 | $2,694 |
* 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.