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Ideally situated in Mystic just minutes from downtown, this well-maintained split-level home offers a versatile layout, thoughtful updates, and inviting outdoor spaces. Hardwood floors extend through the main and upper levels, while the finished lower-level flex space offers endless possibilities as a guest room, home office, playroom, fitness area, or media room. The inviting living room features an electric fireplace that serves as a warm focal point while providing supplemental heat and ambiance. The kitchen, equipped with updated appliances, opens seamlessly to the dining area, creating a functional layout for everyday living. Step outside to the deck overlooking the spacious backyard, an ideal setting for outdoor dining, summer barbecues, entertaining, gardening, or simply relaxing. The fenced yard provides plenty of room for recreation, while the full basement with a dedicated laundry area offers abundant storage, workshop space, or future possibilities. An attached one-car garage adds everyday convenience, and major updates include a boiler and oil tank replaced in 2021. Just a short drive from downtown Mystic's renowned restaurants, boutiques, waterfront attractions, and marinas, with convenient access to I-95 for commuting, 61 Hilltop Rd offers the perfect balance of neighborhood living and accessibility in one of southeastern Connecticut's most desirable coastal communities.
| Type | Description | Level |
|---|---|---|
| Bedroom 1 | Hardwood Floor | Upper |
| Bedroom 2 | Hardwood Floor | Upper |
| Den | Built-Ins,Laminate Floor | Lower |
| Dining Room | Hardwood Floor | Main |
| Full Bath | Tub w/Shower,Tile Floor | Upper |
| Half Bath | Tile Floor | Main |
| Kitchen | Tile Floor | Main |
| Living Room | Hardwood Floor | Main |
| Primary Bedroom | Hardwood Floor | Upper |
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William Raveis Real Estate
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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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $391,200 | $391,200 | $391,200 |
| 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 | 6.358% | 6.640% | 5.952% |
| Monthly Tax Payment | $408 | $408 | $408 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,343 | $2,470 | $3,249 |
| Total Monthly Payment | $2,826 | $2,953 | $3,732 |
* 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.