Presented byMark Markelz |
A well-known photographer recently said, "I've been photographing properties on the waterfront for over twenty years and I have never seen a more beautifully sited house". Nestled in Sachem's Head, high on a private peninsula enjoying commanding views of Long Island Sound, the Thimble Islands and its own sandy swimming cove and dock, 31 Loyal Ledge stands tall. With 700+ feet of linear footage on the Sound & almost 360-degree water views, the 100+ year old house has been a cherished retreat to only four families. Each owner has enhanced the property with the latest upgrades completed this year focusing on updating the third floor to have an inviting living room, bedroom & new full bath. The first level offers an abundance of spaces and rooms to enjoy gracious living - a living room with a gas log fireplace and a wall of bookcases, a sunroom with five picture windows to the water, a formal dining room, and a large kitchen with both island and table seating and a cozy family room. There are also two covered, stone porches- one perfect for viewing the sun rising and the other its setting. The second floor has a large primary ensuite bedroom with a sitting area, an office and two nice sized bedrooms which share a bath. Outdoors, in addition to manicured grounds and the mesmerizing views of the islands, there are two areas perfect for entertaining - one features a fire pit, the other with a tall flagpole as its centerpiece. Watch the attached video.
Type | Description | Dimensions | Level |
---|---|---|---|
Bedroom 1 | Hardwood Floor | 12X12 | Upper |
Bedroom 2 | Hardwood Floor | 14X17 | Upper |
Bedroom 3 | Vaulted Ceiling,On 3rd Floor | 18X12 | Upper |
Dining Room | Sliders,Hardwood Floor | 17X14 | Main |
Family Room | Fireplace,Wood Stove,Hardwood Floor | 11X16 | Main |
Family Room | Vaulted Ceiling,On 3rd Floor | 19X19 | Upper |
Kitchen | Bay/Bow Window,Breakfast Bar,Wet Bar,Island,Pantry,Hardwood Floor | 15X16 | Main |
Living Room | Book Shelves,Built-Ins,Fireplace,Hardwood Floor | 18X23 | Main |
Office | Book Shelves,Built-Ins,Hardwood Floor | 13X10 | Upper |
Primary BR Suite | Built-Ins,Full Bath,Hardwood Floor | 30X31 | Upper |
Sun Room | Hardwood Floor | 11X26 | Main |
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $3,400,000 | $3,400,000 | $3,400,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.875% | 6.500% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.430% | 6.977% | 6.664% |
Monthly Tax Payment | $3,358 | $3,358 | $3,358 |
H/O Insurance Payment | $125 | $125 | $125 |
Initial Principal & Interest Pmt | $20,659 | $22,336 | $29,618 |
Total Monthly Payment | $24,142 | $25,819 | $33,101 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.