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**Offer deadline: Tuesday 5pm July 28** Tucked back off a long driveway on 1. 63 private, wooded acres in Spencer, this custom oversized Cape blends thoughtful updates in a setting that's tough to find within reach of Worcester. A classic farmer's porch welcomes you home, and inside, a dramatic living room rises to a 20-foot vaulted ceiling anchored by a stone hearth fireplace, with a second-floor balcony and loft overlooking the space below. The eat-in kitchen offers stone counters, a center island, and an oversized window over the sink that fills the room with light, plus a slider out to the back deck for easy outdoor flow. The first-floor primary suite is a true retreat: a spacious bedroom with wide, easy-flow doorways leads into a spa-style bath with a double vanity and a large custom walk-in shower with an extra-wide, curbless entry finished in stone tile with a built-in bench, alongside a generous walk-in closet. A convenient half bath with the washer and dryer sits just off the primary suite for effortless first-floor laundry. Upstairs, two large bedrooms with plush carpet share a full bath, and a versatile loft space, complete with a window bench, offers room for a home office, playroom, second living area, or the potential for a fourth bedroom. Efficiency runs throughout: solar panels offset nearly all of the electric bill, a Buderus boiler backs up a pellet stove that carries most of the winter heat, and mini-splits provide zoned A/C. The home is also wired for a generator and set up for a security system. A private well with whole-house filtration and softening, a private septic system with a newly installed D-box, and a whole-home central vacuum round out the mechanicals. The oversized two-car attached garage includes a loft above for extra storage plus room for a workshop, and connects to a large mudroom for a practical transition from outside to in. The basement runs large and unfinished, offering excellent potential to expand your living space. Outside, the grounds are made for gathering and quiet enjoyment alike: a crushed-stone patio with a fire pit sits off to the side, a fenced backyard offers a private space to relax, and a raised deck off the kitchen steps down to a patio ideal for a hot tub. A storage shed rounds out the exterior. Spencer offers the rare combination of privacy and forested surroundings, with a beach nearby and commuter routes. This is a home built for comfortable, efficient living in a peaceful country setting.
| Type | Description | Level |
|---|---|---|
| Bedroom 2 | Second | |
| Bedroom 3 | Second | |
| Kitchen | First | |
| Laundry | First Floor, Electric Dryer Hookup, Washer Hookup | |
| Living Room | First | |
| Master Bedroom | First |
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William Raveis Real Estate
Phone: 888.699.8876
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 617.281.4872
Kate.Rockett@raveis.com
NMLS Mortgage Loan Originator ID 1500191
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $460,000 | $460,000 | $460,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.750% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.760% | 6.902% | 6.098% |
| Monthly Tax Payment | $515 | $515 | $515 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,832 | $2,984 | $3,851 |
| Total Monthly Payment | $3,439 | $3,591 | $4,458 |
* 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.