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Transcend the bustle in this country Cape overlooking The Bay on the Blackwater River in scenic Andover, New Hampshire. Whether you're searching for a peaceful year-round residence or the perfect escape, this inviting home offers the best of New Hampshire's four-season lifestyle. Set on one-half acre, the property offers a manageable country setting with the practical advantage of easy year-round access and no long driveway to plow after a NH snowfall. Spend less time on maintenance and more time enjoying everything this beautiful location has to offer. Wake each morning in the spacious 2nd floor primary bedroom, where bench-dormered design frames south-facing views of the bay and its natural glory. The open 1st floor welcomes you with comfortable living space for everyday enjoyment. With newly refinished wood floors, a 1st floor bedroom and 3/4 bath offer the convenience of single-level living, while a bonus room provides flexibility as a home office, guest room, or hobby space. Step out onto the expansive rear deck for your morning coffee, to entertain family and friends, or sit and unwind. The walkout basement provides abundant space for toys and equipment. The dream of NH waterfront living without the tourists: paddle or row from your own shore, take a splash or cast a line. Located five min from the village of Andover, home of Proctor Academy, 30 minutes from the State Capitol in Concord, and 50 min from Manchester-Boston Regional Airport. Whether your vision is a cozy primary residence, or a place where weekends become lifelong memories, 405 Bay Road invites you to slow down, reconnect with nature, and experience waterfront living on one of Central New Hampshire's hidden gems. For those seeking multi-gen living or the "families" retreat, this home’s neighboring 411 Bay Road is also available now at MLS# 530546 from the same owner. Please conduct your own due diligence on dimensions, insurance, lot lines, etc.
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 6/28/2026Our 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 | $380,000 | $380,000 | $380,000 |
| 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 | $466 | $466 | $466 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,276 | $2,371 | $3,130 |
| Total Monthly Payment | $2,817 | $2,912 | $3,671 |
* 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.