Welcome to this unique 3-bedroom, 1-bath home in Centereach, nestled on a spacious 0. 75-acre lot. The home features a first-floor bedroom, a cozy den with a wood-burning fireplace, a dining area, and a kitchen outfitted with solid oak wood cabinets. Luxurious hardwood floors and central air run throughout, enhancing comfort and style. The property is equipped with high-quality Anderson windows enhancing durability and efficiency, alongside a security system with surveillance cameras for peace of mind. Practical amenities include two driveways, propane gas for cooking, and remarkably low annual taxes of just $4, 686. 80. Step outside to discover a private backyard oasis, ideal for relaxation or entertaining. It boasts a large deck, full fencing for privacy, and a lush vegetable garden, complemented by front and back sprinklers. Six spacious sheds, most with electrical setups, offer extensive storage and workshop capabilities. This serene retreat stands out as a substantial and private space in Centereach, making it a truly special find.
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Our Executive Mortgage Banker:
Our Insurance Division:
$449,999
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 | $359,999 | $359,999 | $359,999 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.490% | 5.490% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.654% | 5.752% |
Monthly Tax Payment | $391 | $391 | $391 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,275 | $2,273 | $2,940 |
Total Monthly Payment | $2,741 | $2,739 | $3,406 |
* 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.