Delight in the coastal charm of this impeccably updated 2-bedroom, 1-bathroom cottage ideally situated in the Village of Patchogue. Recently renovated, this lovely home features all updated: windows, vinyl siding, doors and roof. Modern comforts include updated gas heating and new ductless heating and air conditioning units. Inside, discover a fresh, neutral decor complemented by wide-planked vinyl flooring, creating a light and airy beach-inspired ambiance. Perfect for those who appreciate style as well as comfort, this home is designed for easy living and entertaining. The backyard features a brand new PVC entry fence which offers a private and spacious area for outdoor gatherings and leisure. Nestled in a beach community, this property is conveniently located within a "stone's throw" of the Davis Park Ferry to Fire Island. Enjoy leisurely afternoons in your own private entertainment backyard with stone patio area. Ample parking in the stone driveway. This home is a true gem for those seeking a blend of modern updates and serene coastal living. Come and see why life here feels like a year-round vacation!
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Our Executive Mortgage Banker:
Our Insurance Division:
$399,900
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 | $319,920 | $319,920 | $319,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.867% | 7.159% | 6.538% |
Monthly Tax Payment | $637 | $637 | $637 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,155 | $2,126 | $2,743 |
Total Monthly Payment | $2,867 | $2,838 | $3,455 |
* 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.