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48 Galia Road, Smallwood, NY, 12778 | $370,000
Welcome to 48 Galia Road located in the highly desirable community of Smallwood in the Town of Bethel NY. The Zillow map location is wrong. This home is in Smallwood just west of Mountain Lake. This home is very unique and is built right into the hillside on a large rock. A photo says a thousand words so please take a good look at the photography. The living room sports a 14' high cathedral ceiling with a 12' Ole brick wall. The fireplace also features an oak timber mantel & rising beam, with a 13' stone hearth. There is a built in 12' x 18' carport. A door can be installed to make it a 1-car garage. There is a built-in fully wired tool shed & wood shed. This home has its own septic system and well. It makes a great year-round or summer home as well as an excellent vacation rental. The home sits on 1. 98 acres comprised of 4 separate lots. SBL's 43. 20. 2, 43. 20. 3, 43. 20. 4, 43. 20. 7. You can even build another house or sell an acre and a half of the property to pay off part of the house. Smallwood is located in the center of Sullivan County only 100 miles outside of Manhattan. This home is close to Mountain Lake in Smallwood and is also located close to White Lake where there is plenty of action and several great restaurants. It is also not far from Monticello where you will find things like ShopRite, Walmart, Home Depot as well as Resorts World Catskills casino.
Features
- Amenities: Park
- Rooms: 9
- Bedrooms: 4
- Baths: 3 full
- Style: Contemporary
- Year Built: 1975
- Heating: Baseboard, Electric
- Cooling: Wall/Window Unit(s)
- Basement: Crawl Space
- Approx Sq. Feet: 2,100
- Acreage: 1.98
- Est. Taxes: $6,425
- Lot Desc: Part Wooded, Sloped, Wooded
- Middle School: Robert J Kaiser Middle School
- High School: Monticello High School
- School District: Monticello
- Appliances: Electric Water Heater
- MLS#: H6308013
- Days on Market: 184 days
- Website: https://www.raveis.com
/prop/H6308013/48galiaroad_smallwood_ny?source=qrflyer
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Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 1880936
347.223.0992
Sarah.DeFlorio@Raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
48 Galia Road, Smallwood, NY, 12778
$370,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Sarah DeFlorio
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.DeFlorio@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 | $296,000 | $296,000 | $296,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
| Monthly Tax Payment | $535 | $535 | $535 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,994 | $1,967 | $2,496 |
| Total Monthly Payment | $2,604 | $2,577 | $3,106 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535