THIS ENTIRE 8 ACRES IS TRULY A PRIVATE HAVEN & ALL ABOUT SECLUSION! There are only 3 homes on Bay Tree Ln & each is separated by stretches of woods. As you enter this property, 30 year old azaleas line the drive under a canopy of majestic oaks & magnolias. To the right, there is an open grassy area where deer snort when startled in the morning & bats swoop & glide in the evening. Toward the back, there is a sturdy treehouse which was built in 2018 for grandchildren. Enteriing the house through the back door, you first step into the inviting generous screen porch (20x14). This is the perfect place to sit & watch butterflies & hummingbirds during the day or listen to the sounds of the deep woods at night. Moving into the home, you find yourself into the kitchen which was remodeled in 2018. The picture window in the livingroom is a stunning focal point. It overlooks a bed of pagoda plants which bloom July until frost & attracts butterflies & hummingbirds. Just beyond this colorful display, one of the largest oak trees on the property frames the view to the koi pond. During dry times, the waterfall at the koi pond can be a busy place attracting squirrels, carolina wrens, red-shouldered hawks & a barred owl on occasion. Once, a blue heron was standing in the pond! Wild turkeys are regularly seen along with mourning dove, whippoorwills & pileated woodpeckers. This property is a sanctuary for nature & for people who love nature & wild things. . . . and whose souls need space & peace! There have only been 3 owners of this property. All three have demonstrated a true labor of love here. The property also features carports for the main home and the in-law quarters (12x 28), front entry porch, upgraded HVAC system, metal roof & additional buildable parcel off Bay Tree Ln all in a peaceful country setting!
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $339,920 | $339,920 | $339,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $275 | $275 | $275 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,262 | $2,233 | $2,867 |
Total Monthly Payment | $2,612 | $2,583 | $3,217 |
* 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.