CCertihomes
16 Ruff Stone, Smithfield, RI 02828

$499,000

2 beds 2 baths 1,147 sqft Built 1949Active

About this home

Charming Waterfront Cottage on Serene Hawkins Pond ~ Located in the highly desirable Greenville area this lakefront retreat offers the perfect blend of privacy and convenience on peaceful Hawkins Pond. Surrounded by lush landscape and panoramic lake views this charming 2 bed, 1.5 bath cottage offers a tranquil setting. The quaint interior features pine wood and slate flooring, a spacious kitchen with granite counters and fireplace, loft style primary bedroom with adjoining lavette and expansive views, cathedral pine wood ceilings, Anderson windows, floor to ceiling windows to enhance the views and flood the space with natural light. Sliding doors open to a wrap-around deck which overlooks the lake and steps down to your private dock. The exterior offers extreme privacy with vibrant mature landscape, stone walls and patio and an enchanting detached studio which can also function as a rustic quest space or home office. This property is perfectly located close to numerous amenities with easy highway access yet this lakefront neighborhood is quiet and peaceful. Whether you're seeking a weekend retreat or a permanent residence you’ll truly enjoy the tranquility of lakeside living ~ Boat ~ Swim ~ Fish from your back yard and live like you're on vacation year-round!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.19% APR.

Your estimated payment
$4,775/mo

Real estate (PITI + HOA + PMI)
$4,327
Principal + interest$3,215
Property tax + insurance$900
HOA$25
PMI / 2nd mortgage$187
Utilities
$854
Heating + cooling$274
Internet + TV + phone$140
Water + sewer + garbage$58
Transportation
$138
Car insurance + maintenance$138
Other (entertainment)
$140
$4,775/mo TLC
Budget$5,275/mo
Remaining after TLC$500/mo
Purchase price
$499,000
Down payment
$24,950 (5%)
Loan amount
$474,050
APR
7.19%

Quick facts

Type
Residential
Style
Cottage
Year built
1949
Lot size
0.33 ac
Stories
0
Heating
Electric, Baseboard, Heat Pump
Cooling
Ductless
Water
Private, Well
HOA
$300 / Annually
Annual tax
$4,583
MLS #
1360028
County
Providence

At a glance

Fireplace
Dishwasher
Waterfront

Home features

Appliances
Tankless Water HeaterDishwasherDryerOven/RangeRefrigeratorWasher
Interior
Cathedral CeilingsSkylightWalls: Dry WallWoodPlumbing: Mixed
Exterior
DeckPatio
Parking
No Garage
Fireplace
Brick
Flooring
Hardwood, Other
Sewer
Septic Tank

Lot features

Out Building

Neighborhood — 02828

MetricThis ZIPCountyUSA
Population7,6951,095,423299,088,112
Population Change Since199011.00%9.00%20.00%
Population Density1,660994
Male3,652529,266147,432,321
Female4,042566,157151,655,844
Never Married1,399266,40463,775,926
Married3,787435,678123,120,365
Separated21943,64212,639,686
Widowed57066,66815,467,586
Divorced43983,84323,075,029
Number Of House Hold3,011410,399111,826,380
Average House Hold Size2.502.562.60
Medial Age43.1837.2735.46
Median House Hold Income$64,495$47,553$48,276
Average House Hold Income$70,275$61,609$63,629
P C I$28,367$23,965$24,529
M D I$53,489$40,634$41,133
A T H E$55,266$49,940$50,898
S T R7.00%7.00%
W C J76.56%78.02%77.74%
(Zip) Code
2828

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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RI & State Wide MLS

Listing information last refreshed 5/26/2024. Provided courtesy of the listing office via RI & State Wide MLS. Information deemed reliable but not guaranteed.

16 Ruff Stone · Smithfield — $499,000 · Certihomes