28 Whitney Gate, Smithtown, NY, 11787 | $990,000

Welcome to your future home on the Nissequogue River in beautiful Smithtown! No need to ever leave when you can experience the Fall foliage from every window with stunning unobstructed panoramic views of the river and protected wetlands and nature preserve. . . . . . This private and incredible property sits directly on a gorgeous and stately setting with direct river access right from your own backyard for fishing, kayaking and canoeing!! Quiet and, serene, this bird lover's paradise offers not just a home, but a lifestyle perfect for nature lovers and outdoor enthusiasts. Just shy an acre and minutes from the center of town and close to all, this super convenient location offers panoramic views which are the main focus for this ranch style home. Entertaining outdoors is easy with the new large exterior decking just perfect for gatherings and parties ! Expansive slate patio below also overlooks the stunning river views and runs the length of the house. . . . enjoy lounging on a lazy afternoons in a glorious setting most dream about! As soon as you enter this gorgeous home with breathtaking setting, you are welcomed with a wall of windows overlooking this unique property. Huge master bedroom has en-suite bath and 2 closets overlooking the beautiful views and two additional bedrooms and another full bath on entry level. Large EIK is loaded with charm character with a brick wall, oak cabinets, built ins and a super nice cozy space. . . . . Bring your telescope to enjoy the bright and beautiful sun drenched room with wrap around windows and skylight. . . . . . watch the nature surrounding you in a glorious sunroom just next to the kitchen and across from spacious laundry room and oversized 2 car garage. Additional nice features include new wood floors. IGS and security system, Generac generator provides immediate power backup. Lower level encompasses 35 ft long additional den w/large windows overlooking the river, built in stereo and record player w/in-wall speakers and sound system wired throughout entire home, automatic power outdoor vertical shutters and brick fireplace recently converted to gas. There is also another full bath and a large office on lower ground level which can convert to 4th bedroom, plus a playroom/craft room with built-in storage. Additional storage room. Extensive brick and slate work on entire property. Home has been lovingly maintained by one owner, now make it your own!!!

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 3 full
  • Style: Ranch
  • Year Built: 1961
  • Garage: 2-car Attached
  • Heating: Natural Gas, Baseboard
  • Cooling: Central Air
  • Basement: Full, Partially Finished, Walk-Out Access
  • Acreage: 0.77
  • Est. Taxes: $17,634
  • Lot Desc: Borders State Land, Part Wooded, Sloped, Near Public Transit, Private, Protected Wetlands
  • View: Open, Panoramic, Other, River, Water
  • Water Front: Yes
  • Elem. School: Accompsett Elementary School
  • Middle School: Accompsett Middle School
  • High School: Smithtown High School-West
  • School District: Smithtown
  • Appliances: Dishwasher, Dryer, Oven, Refrigerator, Washer
  • MLS#: 3581815
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/3581815/28whitneygate_smithtown_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Douglas Elliman Real Estate   Phone: 631-543-9400

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Sarah AlvarezVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.Alvarez@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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28 Whitney Gate, Smithtown, NY, 11787

$990,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah Alvarez

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $792,000 $792,000 $792,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.055% 6.234% 5.805%
Monthly Tax Payment $1,470 $1,470 $1,470
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,435 $4,812 $6,524
Total Monthly Payment $5,997 $6,374 $8,086

* 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.