7 Clarence Thurber Drive, Smithfield, RI

The ideal family home rests on the over two acres at 7 Clarence Thurber Drive in Smithfield, Rhode Island.

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Custom built in 2000 by current owner, Lou, this home was designed with everything a family could ever need and want, with detail to growth, shown in things like an ideal private room ready for an in-law suite, or private space for a child home from school. This sprawling brick ranch is a rare find with quality craftsmanship impossible to miss upon viewing.

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I can hear Lou’s voice trail to a thousand different memories that he claims are my favorite, but his mention of Prom stands out the most. As all three of his children have grown, he’s loved having their friends over for pre-Prom photos, day after brunches, pool gatherings through the summer, and the sounds of laughter in the dark, illuminated solely by the light of the fire pit. This home is more than just a place to live, it’s a place to live. Beautiful water views, accentuate the amazing water feature in the back yard; an 18′ x 36′ in-ground heated pool featuring a cabana including a bar and full bath, bring this to an entirely new outdoor hosting threshold!

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With top ranked schools and near to Providence and the Southern Massachusetts line, 7 Clarence Thurber gives you the serenity of a picturesque New England neighborhood, while offering great education opportunity, the ease of highway access, and close proximity to all the hot spots. Imagine the kids riding bikes until dark, and walks with the family on the quiet snow-filled streets. A hot chocolate in hand as you admire the gentle, crisp sounds of your feet on newly fallen snow. This is truly a home where your dreams don’t just come true, they unfold before your eyes.

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And there is so much more to the home than just the home. An oversized 2 car garage, and a 32′ x 32′ block garage with 12′ door, is ready for the handy person or automobile enthusiast. Paired with wonderful architectural detail flowing through the first floor, with stained glass, beautiful trim and moulding, a stunning floor to ceiling fieldstone fireplace and sun porch. This home gives its owners a place to grow as a family. To entertain, to unwind. The home where you will enjoy your passions and create memories you’ve only dreamed about until now.

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Come see home today. Call Glen Lombardi at 401-996-2268 or Aliesha Noonan at 401-580-8672 for more!

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69 Cold Brook Drive, Cranston, RI

Built in 1957, 69 Cold Brook Drive is not just a house, it’s 4 generations of family life just waiting to be restored to its original glory.

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Speaking with Deanna, granddaughter to the original builder of the home, her memories flood from her like as abundantly as the delicious plates of food she recalls having for Sunday dinners. The stories come from her- happy and vivid- almost like they were just yesterday, all coming back around the same theme: The home has been the centerpiece of her family for longer than anyone can remember.

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This was the home neighbors gathered in for everything from holiday parties to Saturday night card games. This is where the family came for Sunday dinners every week like clockwork, and even as the kids got older, on Wednesday nights you could still find the family collected around the table as they always made time for each other… even in the weeks where there was no time. Grandma and Grandpa made sure of it.

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An uncle dressed up as Santa Clause each Christmas is one of Deanna’s favorite memories, but her recollection of the baby grand piano that used to be in the living room brought a tear to my eye. The nostalgia in her voice apparent as her words almost lowered and wandered to years passed. Falling asleep to her grandfather tickling the ivories- that is something that sticks with her to this day.

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This house holds over 60 years of memories and is waiting for new owners to call it home. The one-level living makes it ideal for families of all sizes and stages. From first time owners to retired couples ready to make a home their custom dream.

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Three beds, complete with a beautifully closeted master and 1.5 bathrooms, framed hardwoods, stone fireplace and sun-porch give 69 Cold Brook Drive the perfect beginnings to restoration. Central air installed, a garage, partially finished basement, large deck and private landscaped yard filled with perennials, a gardening area and shed are just some of the original features that complete this home.

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Deanna recalls her affection for the neighborhood, not just because of its location to Garden City and Chapel View for shopping and dining, but for the uniqueness. “Nothing here was ever cookie-cutter,” she tells me. “All the homes were custom once- all built with love.” And she’s not wrong. Family walks and neighbors gathering are all frequent events here. This home was custom built and generously loved throughout the years, for everything inside its four walls and so many things outside.

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Located in the Western Cranston School System, this is a home sure to stand the test of time for the family ready to make their own rich history. Please call Noonan/Lombardi & Associates at 401-580-8672 to see the home today, or come to the Open House on November 11th from 11-1.

89 Manistee Street, Pawtucket, RI

Can 42 years, a life-cycle of a family, happen on a quiet street in Pawtucket?
The answer is, undeniably, yes.

89 Manistee Street in Pawtucket, Rhode Island is both adorable and affordable. The location has made our seller fall in love year after year, from starting a family, to raising teens, to becoming an empty nester. Each path of life has been beautifully served in this cape.

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Speaking a moment with owner Mary-Lou, one feels the love she has not just for the home’s walls, but for the memories it holds. The years well lived inside and out. “All my friends and neighbors have always considered it home. It’s a real homey home.” And what feels better than coming home?

The 3/4 bedroom Cape in the Darlington area is a fantastic starter and has all the “wish list” items checked, along with some much needed updated majors too! With winter coming you’ll be happy to call this home yours with a heating system, roof, windows, oil tank, and central ac being all replaced or updated recently, and there is natural gas already in the home if conversion were ever a desire.

Shiny hardwoods throughout the first floor, up to two bedrooms downstairs and the two other bedrooms up, and an additional finished room in the basement can serve many purposes. The eat in kitchen opens up to a beautiful back deck with awning for comfortable enjoyment. The yard is private and lush with many plantings, and serves as your own personal escape, add in an oversized garage with ample storage options and you’ve got this Darlington/Beverage Hill cutie.

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Key location features both shopping and dining close by, and a walk to Slater Park! Ideal for anyone looking to live life in a well-loved neighborhood. “We all look out for each other,” Mary-Lou says. Which is heartwarming and brings a smile to her face. This is a neighborhood that has come together as family and, while it is opening up to the next generation of home buyers, is keeping its cohesive community.

Near schools, both private and public, easy access to 95 and the train station, as well as simply a great place to walk and enjoy the outdoors, 89 Manistee is waiting to enjoy the next 42 years as your home.

Call Noonan/Lombardi & Associates to learn more: 401-580-8672.

South Wind Financial Makes it Happen for AN&A Clients

We know that it’s not only the desire to buy a home that is needed to do so. From time and money, we are stressed to the edges of our abilities to reach such lofty goals as home buying. This is why our team of 7 at Aliesha Noonan & Associates aims to make the process from dreaming to SOLD easier at each turn.

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Working with competent and passionate partners in the industry, such as Byron Kirk at South Wind Financial in Johnston, Rhode Island, assist us in our mission to bring you the best service from your first internet searches to the closing table.

As a simple breakdown, let’s highlight South Wind Financial’s products:

 

  1. Standard FHA with Elite pricing – A standard FHA Purchase (or refinance) loan but we have elite pricing on credit scores over 640.  A minimum credit score of 620 for the standard FHA purchase and 3.5% down payment are requirements.  FHA loans are easier to qualify for than a conventional loan.
  2. Specialty FHA loans – This is an FHA loan (purchase and refinance) for credit scores between 580-620.  The interest rates are higher but can be streamlined to a lower rate after 6 on time mortgage payments.  There several important guidelines –  Debt Ratio and 3 months of mortgage payments in bank after closing as reserves are the most important.
  3. NEW – 1.5% Down FHA loan.  This is a FHA purchase with down payment assistance.  This is a standard FHA loan with a 3.5% down payment, and as long as you qualify, a 2% down payment gift assistance, lowering the borrower’s down payment to just 1.5%.  Standard FHA guidelines apply and rates are vary according to credit score.
  4. Standard conventional loans – This is a regular conventional loan with down payments down to 5%.  Minimum credit score is 620, however better rates are awarded for credit scores above a 680.
  5. NEW – Special Conventional Program for loan amounts up to $679,000.  This is a special pilot program.  The program allows for a loan amount up to $679,000 to be considered a standard conventional loan as long as the borrowers have 720 fico scores and are putting 20% down.  This is huge benefit.  The loan amounts from $417,000 to your county’s loan limits are considered high balance and loans above the county loan limits are considered jumbo loans.  Both high balance and jumbo loans have higher interest rates and separate guidelines.  With this program, as long as it meets the requirements, any loan up to $679,000 is considered a standard conventional loan!
  6. NEW – 1% down Conventional Program – This program is a HomeReady or HomePossible program with a 3% down payment however the lender is giving the borrower a gift of 2% or 5,000 whichever is less towards the down payment.  Loan must meet all the HomeReady or Home Possible guidelines.  Yes, there are income limits, but let us do the checking!
  7. USDA loans – This loan is 100% financing for properties located in rural areas.  The key to these loans is to know there are income limits based on the income of the entire household not just the borrowers on the loan.  The lenders will take into consideration everyone’s income that is going to live in the house.
  8. VA loan – This loan is 100% financing for veterans. The VA guidelines are very forgiving and you can close them fairly quickly.  The key to these loans is the appraisal must be ordered as soon as possible as it is ordered through the VA and they can often take more time to complete.

South Wind Financial’s closings average 25 days with some purchases being cleared to close with 15 days of submission.   The only exception is USDA loans.  They take slightly longer because the USDA themselves actually reviews each file prior to a clear to close.

We truly hope this helps you understand that there is no one loan or product out there. South Wind Financial offers many options to assist you in achieving your home owning dreams. For more information and questions about how to get started, please call Byron Kirk, Branch Manager at South Wind Financial, Inc. at 401-270-4999 or give us a call at 401-580-8672 to be put in touch!

Byron Kirk
Branch Manager
NMLS ID#: 13491
1356 Atwood Avenue, Suite 2, Johnston RI 02919

Alyssa Lane: more than a house, it’s home.

Our beautiful listing at 5 Alyssa Lane in Lincoln, RI is open and ready for Spring time shoppers, but while the home is stunning, the neighborhood charming, it’s not just the house that makes this property everything… it’s everything that makes it so. This tranquil and peaceful neighborhood, is away from city life for a relaxing break. Perfect for the nature lover and for those who enjoy physical activity, hiking and walking. Close enough to Providence, Worcester and Boston to work, go out for dinner, enjoy a fantastic night life, and still slumber in peace.

The city of Lincoln Rhode Island has some of the most idyllic New England features, like Sunset Stables for horseback riding, and the Eleazer Arnold House- a rare surviving example of a stone-ender, a once-common building type featuring a massive chimney end wall, as well as The Hearthside House.

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For family enjoyment, there is nothing like the outdoor life and shopping experience in Lincoln. Limerock Preserve, now called the Aust Family Preserve, Lincoln Woods, Blackstone Gorge, Riverside Trail and Blackstone River State Park are absolutely must go places to enjoy the vast beauty of Rhode Island!

The shopping at the Lincoln Mall, which include more than just stores! Great shopping, a beautiful movie theater, lazer bowling and more! It’s an experience you will enjoy all year long. Treat yourself locally to Zaks on Front Street, for a wonderful salon experience, and if you’re looking for some excitement, hit the tables at Twin River Casino for the night!

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Looking for even more activity? First-class gym, Ocean State Gymnastics, is within walking distance to the house. RI Rock Gym and RI Indoor Karting are close by, too! So grab your friends and family and get moving!

Great restaurants including Trattora Romano, Enn and frozen yogurt—KiWi Burst and FroYo make for great stops all year for date night or family outings, but know that summer is coming and the Lincoln Creamery is the place to be!

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And while there is so much to do, see, and experience, rest assured there are excellent public schools in Lincoln. The middle school is brand new and a new high school is in the process of being built! This is the home you will fall in love with, the neighborhood you will flourish in, all in a city that will grow with you and your family for many years to come!

Contact Donna Silva at 401-935-8202 to schedule a showing!

2244 Cranston St. Cranston, Rhode Island

This well appointed Colonial at 2244 Cranston Street, is in the beautiful Meshanticut section of western Cranston.

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Not only is your new home near to all of the local conveniences, but it is rich in designer flair! Garden City, with its charm, great shopping, and delicious restaurants, is just moments away. And while you’re enjoying all the local goodness near by, getting to work will be just as enjoyable; access to 37, 95 and 195 are just around the corner. Only 15 minutes from Providence, and 30 minutes to the beach, all roads lead to home.

Comfortably situated in Western Cranston, 3 beds and 1.5 baths, 2244 Cranston Street has a beautiful open concept plan with stainless remodeled ceramic kitchen, center island/breakfast bar, with walk out to deck, overlooking an impeccably maintained fenced in, level yard.

The beautifully stamped concrete patio and walkway are a beautiful place to entertain in the summer, in the private, newly fenced yard! Formal living and dining are spacious and warm, perfect for guests, as well.

Inside? The lower level is large, and perfectly finished in wonderful tones and great for family movies, games, or a relaxing evening enjoying some music. Kids needing a place to gather, a large home office, friends over to celebrate the holidays- there is no limit to the possibilities. The master bedroom features a large walk in closet- the highlight of the whole home, owner, Deanna, gushes over, and versatile Pullman bath.

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An alarm system, brand new overhaul of the central AC, and recently replaced fencing gives you all the luxury, comfort and safety you could ask for!

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“This is our first home together. Where we got married. Where we started a family,” Deanna recalls her favorite memory of the home as being the place where everything started. Now, the opportunity to create your own memories lives at 2244 Cranston Street.

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Take a leisurely stroll to Meshanticut Park and lake, a ride along the Cranston Bike Path, or out to your favorite restaurant this Fall, and have your own firsts embedded in your memory, soon, too.

Well loved and neat as a pin, this beauty will not be around long.

5 Alyssa Lane Lincoln, RI

5 Alyssa Lane in Lincoln, Rhode Island is a stunning estate, boasting elegance in every nook!

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From the mahogany inlays in the flooring, to the soaring ceiling and rich fieldstone fireplace in the sunken great room, to the rich interiors, tray ceilings and elegant décor, this property is not to be missed- for even more than it’s initial glory.

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The location is a slice of Rhode Island’s best full-bodied living. 5 Alyssa Lane is within close proximity to some of the most beautiful windows into nature, while offering complete access to shopping, restaurants, and nightlife.

Lime Rock Preserve nature trail, Lincoln Woods, and Blackstone Valley Bike Path are all nearby, making outdoor life a beautiful experience, no matter what activities you enjoy.

The Lincoln Mall is just under 3 miles away, with shopping, dining, and a movie theater. Great restaurants, including Enn for Japanese food, Asia Grille, Chinese food and Trattoria Romana for Italian food, are local fare, easily accessible fare just moments from home.

Ideal for everyday, Lincoln Public schools, 146, and 95 are nearby, as well! Your new home offers a wonderful location to break from the chaos of the city, and give you an oasis from the outside world, without the feeling of detachment.

A gourmet kitchen with French country accents features top notch appliances and a warm, inviting sunlit breakfast area to enjoy tea or your favorite fall beverage, and the formal dining room is grand with it’s own beautiful lighting, flooring, and a butlers pantry. The large spaces and easy flow of rooms make handling a large crowd easy- ideal for all of your entertaining needs!

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The 6 bedrooms include a beautifully appointed first floor Master Suite featuring an exquisite tile bath with whirlpool, as well as ample closets for ease of living. The second floor features a separate “guest suite” and the third floor is expansive, with the highlight being a versatile game room, or common area for family enjoyment.

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The grounds are impeccably kept and feature a gorgeous patio, framed perfectly by beautiful seasonal perennials.  The secluded back yard is a wonderful place to garden, let the kids run and play, and is often graced by wildlife like turkeys and deer- truly a beautiful sight!

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And, lastly, loving where you live is the whole package. This amazing Lincoln neighborhood is an incredible place to to raise children. It is quiet and peaceful on the Cul-de-sac is a perfect location for kids to ride bikes, or gather with your wonderful neighbors. There is even an annual block party!

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Thoughtfully designed, this home is a simple, yet elegant home, in a warm, welcoming neighborhood, with all the trimmings of an ideal suburban location, but close to everything. If ideal had an address, it would be 5 Alyssa Lane, Lincoln, Rhode Island.