This home is a marvelous Mediterranean with a contemporary flair, open concept floor plan and vaulted ceilings. Conveniently located in the desirable Saint James near the village and Smithtown school district. Must be seen to truly appreciate. You are greeted with a large driveway with plenty of parking for guests and a paved front porch. First floor walkthrough: Tiled entry foyer, Sitting room or study, half bath powder room, gourmet eat in kitchen includes the following: Bountiful cabinets, Corian countertops, updated Kitchenaid appliances, butler's pantry, wine cooler, radiant in floor heating, breakfast area, cathedral ceiling, skylight, recessed lighting and side entrance to the backyard. The Butler's pantry leads to the dining area. Large and inviting living room with wood burning fireplace for family gatherings and sliders leading to backyard trex deck that overlooks the backyard. Second floor walkthrough: Luxurious master bedroom with dressing area, walk in closet and sliders to the balcony trex deck that overlooks the wonderful backyard! Lovely master bathroom retreat with marble tile, jacuzzi tub, shower, and skylight. Two additional bedrooms and a full bath off the hallway. Lower level walkthrough: Large outside entrance with sliders and inside entrance that leads to the lower level with additional room, half bath, den, laundry area, storage and utility room. Backyard: Lovely oasis with fenced in heated inground pool, gazebo, koi fish pond, mature landscaping and pavers. There is easy access to the pool area, barbecue area and gazebo from the side entrance of the kitchen. Fantastic for entertaining guests. Additional features include the following: Anderson windows, Hardwood floors as shown, 4 skylights, Recessed lighting Large driveway with plenty of parking, 2 car garage, 2 zone Central air conditioning, 3 zones of heating including the in-floor heating for the tiled kitchen floor, Inground sprinklers and much more. . . Don't miss out on this opportunity to own a beautiful home in a prime area! Taxes with star program approximately 15, 154.
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NMLS Mortgage Loan Originator ID 81725
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $719,999 | $719,999 | $719,999 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.875% | 6.500% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.335% | 6.612% | 6.433% |
Monthly Tax Payment | $1,341 | $1,341 | $1,341 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,259 | $4,551 | $6,173 |
Total Monthly Payment | $5,692 | $5,984 | $7,606 |
* 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.