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14 Pearl Street | Mystic, Connecticut Built in 1838, this Historic Mystic home is Tucked away in the heart of Historic Downtown Mystic, this exceptional 3-bedroom, 2-bath residence offers the rare combination of village charm, waterfront access, and private retreat-like amenities. At the heart of the home is a stunning chef's kitchen, highlighted by a dramatic barrel-vaulted ceiling reminiscent of a classic boat hull-a fitting tribute to Mystic's rich maritime heritage. Thoughtfully designed for entertaining and everyday living alike, the home offers inviting spaces filled with natural light and captivating views of the Mystic River. Outside, discover your own hidden oasis. A beautifully landscaped garden surrounds a tranquil koi pond, creating a peaceful sanctuary just steps from downtown's renowned shops, restaurants, and waterfront attractions. A long private driveway provides parking for four vehicles-an uncommon luxury in this coveted neighborhood. A manicured pathway leads from the house to one of the property's most extraordinary features: your own grassy parcel directly on the Mystic River. Here you'll enjoy a private dock, use of the dock's south side for your inflatable or small watercraft, and front-row seats to Mystic's ever-changing waterfront scenery. Gather around the fire pit, relax in one of four Adirondack chairs, and spend your evenings watching sailboats, paddleboarders, and passing vessels navigate one of New England's most rivers. Need additional space? A spacious conference-style office suite above the owner's garage is available for negotiation, offering the perfect setting for a home business or creative studio. Rarely does a property offer such a unique blend of Historic Downtown Mystic living, private waterfront access, boating amenities, and timeless New England charm. Whether you're entertaining guests in the chef's kitchen, relaxing beside the koi pond, or enjoying your private riverfront retreat, 14 Pearl Street offers a lifestyle that is distinctly Mystic.
| Type | Level |
|---|---|
| Bedroom 1 | Lower |
| Bedroom 2 | Upper |
| Dining Room | Main |
| Full Bath | Main |
| Living Room | Main |
| Primary Bath | Upper |
| Primary Bedroom | Upper |
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William Raveis Mortgage, LLC
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Frank.Kolb@raveis.com
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 |
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|---|---|---|---|
| Loan Amount | $3,200 | $3,200 | $3,200 |
| 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% | 6.615% | 5.952% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $19 | $20 | $27 |
| Total Monthly Payment | $94 | $95 | $102 |
* 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.