True value and comfort await you in this sprawling, peaceful and serene one bedroom home. At approx. 750 SF, you will truly have the room to create the perfect home for your needs while taking advantage of the great layout. The separate and spacious kitchen features corian countertops, stainless dishwasher, convection oven and convection microwave, along with a ton of cupboards. The living room is enormous with room for everything, and offers lovely bookshelves in the dining (or office) area, and there is a full wall of windows providing lovely views of trees. Tons of closet storage throughout include a huge walk in, a utility closet, a linen closet and a wall of closets in the king-sized bedroom. The parquet wood floors are in excellent condition and the entire home has just been painted. The home has individual HVAC units for economical and maximum, year round comfort and a discounted cable package. Spruce Ridge House is a pristine 24HR DM co-op, with a great staff including a resident manager, a gorgeous lobby, high speed elevators, a large and modern card-operated laundry room, a planted roof deck boasting jaw-dropping many iconic landmarks including The Empire State Building & river views, a bike room and storage and parking garage (storage and garage are waitlisted. ) There is a brand new superstore in the commercial space downstairs, paying monthly rent to the co-op. Situated in lively and super convenient Kips Bay, just two blocks north of Gramercy, on a tree-lined, residential block, close to everything from Fairway, Trader Joes and the new Whole Foods as well as a myriad of restaurants, pubs, wonderful Madison Square Park with excellent transportation options, you really cannot beat this location. Pet Friendly! Subletting permitted after two years for up to 3 out of every 5 years upon Board Approval. Sorry, no pied-a-terre. A marvelous place to call home. Please email for an appointment. $138 assessment ends August, 2024. Don't Miss!
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Our Executive Mortgage Banker:
Our Insurance Division:
$650,000
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 | $520,000 | $520,000 | $520,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.512% | 6.273% | 5.248% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,244 | $3,160 | $4,109 |
Total Monthly Payment | $3,336 | $3,252 | $4,201 |
* 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.