Hilltop Cottage is a tidy 3 bedroom 2 bathroom home that sits on top of Shandelee Mountain just 5 minutes outside of Livingston Manor, NY. Set back from the road on a level 3 acres, Hilltop Cottage is a great place to sit back and relax with friends around a bonfire while taking in the mountain views. Inside, the main living space is laid out in an open concept between the living room, kitchen, and dining room. The living room features a cozy wood-burning fireplace and large bay window. In the kitchen, the island range is a place to gather and cook with friends and family. A sliding glass door frames the dining room with mountain views, while also providing access to the deck outside for cookouts and bonfires. Outside, you'll find a 2 car garage and two small outbuildings to give you plenty of room to store your cars, bikes, kayaks, and lawn and garden tools. There is also a deck and covered outdoor dining area. The cottage went through extensive renovations between 2019 and 2020, receiving upgrades to the kitchen, bathrooms, siding, roof, and floors. Finally, the interior was freshly painted this year. In short, the house is ready for its next owners to start enjoying the rest of the summer as soon as they close on the property. Hilltop Cottage has been a successful short-term rental since 2019, and is a guest favorite on airbnb. The space, views, and central location make for an excellent short-term rental property when you are not using the house for your own upstate adventures. The area has many amenities for dining, shopping, and entertainment. The Arnold House is within walking distance from the property, with its Tavern, greenhouse, and brand new swimming pool(day passes available!). Beyond that, you are a 5 minute drive from drinks and dining at The Walk-In/Stumble Out, gourmet groceries and sandwiches from Main Street Farm, wood fired-pizza at The Katskeller, Sunshine Colony with natural wines and large patio, and barbecue staple The Smoke Joint. For shopping, there are several great shops like Jitterbug Music & Games, designer clothing at Concrete + Water, Old Souls for outdoor gear, and biodynamic wines and spirits at Upstream Wine.
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William Raveis Real Estate
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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 | $420,000 | $420,000 | $420,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.125% | 5.000% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.273% | 5.278% |
Monthly Tax Payment | $398 | $398 | $398 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,655 | $2,552 | $3,321 |
Total Monthly Payment | $3,145 | $3,042 | $3,811 |
* 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.