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Welcome to 230 Spring Street! This 4 bed/2 bath home sits on just under 5 acres of private land complete with a creek, endless wildlife, and NO HOA! Inside you will find an open concept floor plan with a spacious living and dining area, kitchen with bar seating and huge walk-in pantry, and a sunny flex space that can be used as a sunroom, keeping room, office area and more! The split bedroom floor plan provides privacy for the primary bedroom while still maintaining accessibility to the secondary bedrooms. The primary features a large, attached bath with dual sinks, deep two-person garden tub, separate shower, water closet and walk in closet with shelving. The three secondary bedrooms (two with walk in closets) share a hall bath with dual vanities and a child friendly tub/shower combo all tucked behind a sliding barn door. There is a walk-in laundry room with direct access to the backyard where you will find an above ground pool, storage building, path to the creek and serene woods. There is space to hunt on this land-in fact the seller got his first deer on this property! Dip your feet in the trickling creek during the hot summer months, learn to identify the different species of birds and plant a garden that will give you fresh veggies all summer long! There is ample space for chickens and goats, workshops and “she sheds” and boat and RV parking! Located just 15 minutes from downtown Woodruff where you will find quaint coffee shops and with quick access to major roads you get the best of quiet living without sacrificing the daily conveniences you’ve grown to love!
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $199,200 | $199,200 | $199,200 |
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% | 7.050% | 6.152% |
Monthly Tax Payment | $288 | $288 | $288 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,259 | $1,309 | $1,668 |
Total Monthly Payment | $1,622 | $1,672 | $2,031 |
* 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.