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Property Description
Circa 1912, this storybook Southern Cottage stands as one of Adams most desirable historic residences — graced by a sweeping wraparound porch that beckons you to slow down and stay awhile. From the moment you arrive, the craftsmanship of a bygone era speaks for itself. Inside, soaring ceilings and a sun-warmed palette of original hardwood floors set the tone for a home that has been loved across generations. Intricate moldings, handsome built-in bookshelves, and a commanding brick fireplace lend every room a sense of story and soul — details that simply cannot be replicated in modern construction. The striking ashlar chamfered masonry is a rare architectural hallmark, a quiet reminder that this home was built to endure. Spanning just over 1, 900 square feet across three bedrooms, the classically functional layout flows with an ease that feels as livable today as it was a century ago. Outside, a cedar-fenced backyard retreat awaits — lush, private, and shaded — perfectly suited for weekend gatherings, lazy summer evenings, or simply giving pets room to roam. A covered back porch frames the space beautifully, while a detached two-car garage adds the practicality modern life demands. Opportunities like this are rare. This is not just a home — it's a piece of Adams history, waiting for its next chapter.
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Assumptions and Disclosures
- Interest rates and APRs presented are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details.
- This is not a credit decision or a commitment to lend.
- Depending on loan guidelines, mortgage insurance may be required
- If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available.
- APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan).
- Your monthly payment is not based on APR, but instead on the interest rate on your Note.
- Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
- These special rates presented here are only available when you pre-qualify and are not guaranteed until lock-in.
- Amounts may be rounded up. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.
- Calculations are generated by Open Source mortgage calculation software tools using common mathematical formulas. All calculations should be independently verified.
- Please contact a loan specialist to get specific payment examples and information regarding your particular needs.
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