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Welcome to this lovely ranch in the desirable Mount Carmel section of Hamden! Move right into this 3/4-bedroom, 2. 1-bath home that provides effortless living with thoughtful spaces and touches throughout. Step inside the front entry to an inviting living room featuring hardwood floors, a pellet stove and expansive windows that fill the space with natural light. The open flow leads into a spacious dining area that is perfect for hosting family and friends. The kitchen connects as a true heart of the home with newer stainless steel appliances with ample cabinetry. French doors open to a wraparound deck overlooking a wooded lot-an ideal spot for morning coffee or evening relaxation. The primary suite offers two closets and full bathroom. There are two additional bedrooms and a second full bath that complete the main level. Downstairs, the finished lower level expands your living space with a possible additional bedroom or flex-room/family room with a door leading to a private stone patio. There's also an oversized storage room and workshop area, plus a half bath with a washer and dryer for added convenience. Meticulously maintained, this home includes a newer furnace, oil tank, and updated electrical panel. A whole-house generator ensures peace of mind. The attached 2 car garage provides parking and extra storage. A shed is conveniently steps away in the yard. Close to highways, shopping, restaurants and walking trails - this home is waiting for new owners!
Type | Description | Level |
---|---|---|
Bedroom 1 | Main | |
Bedroom 2 | Main | |
Dining Room | Hardwood Floor | Main |
Full Bath | Main | |
Half Bath | Lower | |
Kitchen | Main | |
Living Room | Fireplace,Hardwood Floor | Main |
Primary Bedroom | Full Bath | Main |
Rec/Play Room | Lower |
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NMLS Mortgage Loan Originator ID 81725
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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Loan Amount | $319,920 | $319,920 | $319,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.058% | 7.063% | 6.152% |
Monthly Tax Payment | $688 | $688 | $688 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,022 | $2,102 | $2,678 |
Total Monthly Payment | $2,785 | $2,865 | $3,441 |
* 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.