555 E 20th St

About This Home

Step into this lovely 4-bedroom 2-bath brick home and be captivated by its charm and character. The living room is illuminated with natural light from its large windows and it connects to the family room which features stunning hardwood floors and an elegant fireplace that add warmth to the space. The kitchen is well-equipped and with white shaker cabinets offering ample storage and counter space. The bedrooms offer plenty of room for relaxation and come complete with spacious closets. This home is equipped with a washer and dryer hookup, central heating and air, and smart home automation for ultimate convenience. Plus, your 90 lbs pets are welcome here! Located in a great area, in Putnam County with nearby schools including Cookeville High School, Northeast Elementary School, and Algood Middle School. Take action now and secure this fantastic home! ------------------------------------------------------------------------------------------------------ *** RENT TO OWN TERM *** Sale Price : $ 258,430 Down Payment : $ 5,000 Loan Origination Fee : $ 2,584.30 Agreement Preparation Fee : $ 500 Financed : $ 256,014.30 Monthly Payment : $ 2,173.93 Plus taxes and Insurance Term : 40 Years **Must rent the prop for at least 6 months to do owner financing. **Must still do application following the application criteria. ---------------------------- Only $1550 Deposit to Move In! ---------------------------- Ask us about our Obligo Deposit-Free Lease Program! Qualified tenants can skip the traditional security deposit and pay a smaller, manageable monthly fee instead. Learn more: Washer & Dryer Rental Program - $99/month for a high-quality washer and dryer - One-time installation fee: $75 - Repairs and maintenance are covered - Charges apply for damage or loss Availability Date Move-in date may change depending on property condition or vacancy status. ---------------------------- MONTHLY CHARGES (in addition to base rent) ---------------------------- Smart Home Automation ............ $20.95 Renters Insurance ................ $14.99 Community Perks Package .......... $2.99 HVAC Filter Program .............. $12.50 ---------------------------- AMENITIES ---------------------------- - Smart Home Automation - Central Heat and Air - Natural Gas Heat - Refrigerator, Stove, Dishwasher - Washer and Dryer Hookup - Pet Friendly (90lbs max) - Section 8 Accepted ---------------------------- LEASE TERMS ---------------------------- - 12-Month Lease:................. Base Rent - 6-11 Months:.................... +$100/month - Month-to-Month:................. +$250/month ---------------------------- MANDATORY PROGRAMS & FEES ---------------------------- Smart Home Automation ............ $20.95/month (mandatory) - Subscription required for remote access to locks and thermostat, monitor home activity, and reduce energy costs. Renters Insurance ................ $14.99/month - Provides $100,000 in liability coverage and $10,000 protection for personal belongings. HVAC Filter Program .............. $12.50/month - Regular delivery of air filters to improve air quality and reduce energy bills. Credit Reporting Program ......... $2.99/month - Reports your on-time rent payments to credit bureaus to help build or improve your credit. Smoking/Vaping Fee ............... $200 one-time (non-refundable) - Required if you smoke or vape, even outside, to cover additional cleaning/prep costs. ---------------------------- UTILITY CONCIERGE SERVICE (Optional) ---------------------------- Utility Setup Fee ................ $175 one-time (non-refundable) - Covers the cost of setting up all your utilities without the hassle of dealing with multiple providers. Utility Service Admin Fee ........ $9.95/month - Charged for consolidated billing, service management, and ongoing utility coordination. Billing Convenience .............. One simple bill - Receive one combined bill for rent and utilities with reminders and full transparency. ---------------------------- PET POLICY ---------------------------- - Standard Breeds: - $300 non-refundable fee per pet - $25/month for 1st pet; $10/month for each additional (max 3) - Restricted Breeds: Pitbull, Rottweiler, Doberman, Chow, German Shepherd, etc. - $375 non-refundable fee per pet - $45/month for 1st pet; $25/month for each additional (max 3) - No fees for ESA or Service Animals - Pet Application Fee: $35/pet (excluding ESA/Service Animals) ---------------------------- APPLICATION REQUIREMENTS ---------------------------- AUTOMATIC DENIALS: - Utility Collections - (can be rectified by paying balance with receipt.) - Landlord Collections - (can be rectified by paying balance with receipt.) - Evictions - (can be rectified by providing documents from previous landlord that says otherwise.) - Drug Charges - (non-negotiable) - Felonies/Misdemeanor (within the last 10 years) - (non-negotiable) - Bankruptcies (within the last 5 years) - (non-negotiable) CREDIT REQUIREMENTS: If employed more than 1 year with current employer: - 600+: No Risk Mitigation Fee - 550-599: 50% Risk Mitigation Fee - 500-549: 100% Risk Mitigation Fee - 499 and below: Cosigner required (600+ credit score, 2x rent income) If employed less than 1 year with current employer: - 650+: No Risk Mitigation Fee - 600-649: 50% Risk Mitigation Fee - 550-599: 100% Risk Mitigation Fee - 500-549: 150% Risk Mitigation Fee - No credit: Cosigner required (600+ score, 2x rent) INCOME REQUIREMENT: - Combined household income must be at least 2x the rent *** (Risk Mitigation Fee will be a one time non-refundable fee based on advertised rent) *** ---------------------------- APPLICATION PROCESS ---------------------------- - Apply online: - Application fee: $65/adult (non-refundable) - Processing time: 2-3 business days ---------------------------- MOVE-IN COSTS ---------------------------- - First months rent (prorated) - Security deposit - $100 lease preparation fee - Additional Mandatory fees and programs listed above ---------------------------- NEED TO SELL BEFORE YOU MOVE? ---------------------------- Stevens Realty can buy your current home directly. - No repairs, cleaning, or commissions - Move into your new home up to 30 days sooner! ---------------------------- BONUS: BUILD YOUR CREDIT! ---------------------------- Pay your rent on time and well report it to all 3 credit bureaus! Improve your credit, qualify for better rates, and establish credit history while renting. ---------------------------- Contact us today to schedule a tour or apply online! Appliance : Dishwasher Appliance : Refrigerator Appliance : Stove Cooling : Central Heat And Air Heating : Natural Gas Heat Laundry : Hook Ups Pets Allowed Renters Insurance Required Smart Lock & Thermostat Automation Inclusive Stevens Realty All Bills Included Utility Concierge Service Required Utility And Maintenance Reduction Program Required Washer/Dryer For Rent