Welcome to this picturesque 6-bedroom, 2-bathroom cape in the highly sought-after Bay Colony neighborhood of Baldwin, NY. Perfectly positioned 8 houses away from the open bay, this home offers an exclusive gateway to waterfront living. As you enter the delightful front porch, the charm of this residence invites you inside to discover its warm and welcoming layout. The first floor features three cozy bedrooms, a full bathroom, an expansive living room with fireplace, a formal living and an eat-in kitchen perfect for gathering over meals and creating memories. The kitchen's generous space and functional design will surely be the heart of your home, with a breathtaking view of the Canal. Ascending to the second level, you'll find the 2 spacious bedroom and an additional bedroom, each thoughtfully laid out for privacy and comfort. Another full bath on this level adds convenience and ensures ample space for family and guests alike. What truly sets this home apart is its incredible waterfront location. Nestled on the canal and backing up to a serene nature preserve, the property includes a brand-new bulkhead and private boat slip, perfect for boating enthusiasts. The allure of the water is ever-present and offers an idyllic backdrop for your daily life. Additionally, homeowners will enjoy exclusive access to a private beach, with membership available for only $175 annually. Whether boating, enjoying nature or simply relaxing by the water, this home offers an array of activities for everyone. Don't miss the opportunity to own this beautiful waterfront home in Baldwin, where every day feels like a vacation.
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Our Executive Mortgage Banker:
Our Insurance Division:
$789,999
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.Alvarez@Raveis.com
NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $631,999 | $631,999 | $631,999 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.412% |
Monthly Tax Payment | $942 | $942 | $942 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,311 | $4,200 | $5,376 |
Total Monthly Payment | $5,345 | $5,234 | $6,410 |
* 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.