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Presented by![]() Philippe Doh |
Welcome home to 223 Hiram Drive where you will feel like you are in the country nestled amongst the trees, yet minutes to I-89 and downtown St. Albans. As you enter the foyer you will notice the beautiful hardwood flooring, warm radiant floor heat and tall nine foot ceilings. Kitchen provides ample space for cooking and entertaining with beautiful corion countertops and sink and island, as well as a formal dining room. Just off the kitchen is an office, perfect to work from home. Step down to the sunroom filled with windows and a sliding door to access the back yard. First floor features a half bath with laundry, pantry, and entry closets, and access to the finished bonus room above the garage. Second floor has three spacious bedrooms and two full bathrooms. Primary bedroom with large walk-in closet and ensuite bathroom offers a relaxing whirlpool tub. Other features include central vac, tiled back splashes and owned solar panels which keep the power bill very affordable. Plenty of storage space in the attached three car garage, which also has direct entry into dry basement for additional storage. Real estate agent is related to seller
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Our Executive Mortgage Banker:
Our Insurance Division:
$749,000
Licensed Real Estate Salesperson
William Raveis Real Estate
Phone: 917.250.5285
Philippe.Doh@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.DeFlorio@Raveis.com
NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $599,200 | $599,200 | $599,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.007% | 7.037% | 6.152% |
Monthly Tax Payment | $742 | $742 | $742 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,738 | $3,936 | $5,016 |
Total Monthly Payment | $4,572 | $4,770 | $5,850 |
* 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.