232 4th Street, Smithtown (Saint James), NY, 11780 | $600,000
This maintained colonial-style home nestled mid-block, presents endless opportunities for customization. Features include a two-car garage and a front porch for your relaxing enjoyment. Boasting 3 bedrooms and 2. 5 bathrooms, this residence features elegant wood floors throughout that lend warmth and charm to every room. The entrance foyer leads you to a spacious living room and dining room. There is an eat in kitchen which is adjacent to a guest bath. Off the kitchen the family room brings warmth with its wood-burning fireplace perfect for gatherings. Three tranquil bedrooms are located upstairs. Private and comfortable, the main bedroom has an ensuite bathroom. On the second level are two additional bedrooms with a main bath. fully open basement, fenced flat backyard with IGS provides plenty of outdoor space for relaxation and enjoyment. A few steps off the family room lead to a paver patio with retractable awning. This home is a true gem, offering the perfect blend of comfort, style, and all conveniences close by. A variety of amenities, including schools, parks, public transportation, shopping, and more. You can move in and plan to update this home when you are ready!
Features
- Town: Smithtown
- Rooms: 8
- Bedrooms: 3
- Baths: 2 full / 1 half
- Style: Colonial
- Year Built: 1968
- Garage: 2-car Attached
- Heating: Oil, Baseboard
- Cooling: Wall Unit(s)
- Basement: Full, Unfinished
- Approx Sq. Feet: 1,680
- Acreage: 0.28
- Est. Taxes: $14,060
- Lot Desc: Level, Near Public Transit, Private
- Elem. School: St James Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Cooktop, Dishwasher, Dryer, Refrigerator, Oven, Washer
- MLS#: 3580260
- Days on Market: 12 days
- Website: https://www.raveis.com
/prop/3580260/2324thstreet_smithtown_ny?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.
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
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
232 4th Street, Smithtown (Saint James), NY, 11780
$600,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $480,000 | $480,000 | $480,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.582% | 7.171% | 6.518% |
| Monthly Tax Payment | $1,172 | $1,172 | $1,172 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,274 | $3,190 | $4,116 |
| Total Monthly Payment | $4,538 | $4,454 | $5,380 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535