Welcome to 308 Bay Avenue in Patchogue, a beautifully updated brick ranch offering the ultimate in easy living. Situated in a prime location south of Montauk Highway and just moments from Shorefront Park, this move-in ready home boasts a fantastic layout with numerous upgrades. Inside, the separate attached primary suite is a standout, featuring its own private entrance, a cozy living room, large bedroom, updated full bath, laundry room, attic space, and direct access to the backyard-perfect for guests or extended family. The charming front porch greets you at the main entrance of the home and welcomes you into an inviting entry foyer leading to the bright eat-in kitchen with plentiful cabinets and a well-appointed dining area overlooking the yard. The adjacent formal living room with picturesque windows and fireplace is the perfect spot to relax and unwind. There are three additional well-sized bedrooms, a newly updated full bath with a second washer and dryer completing the space and pull down stairs for additional attic space. The oversized, fenced yard with patio is perfect for entertaining, while the large Belgian block-lined driveway provides ample parking. Enjoy the convenience of central air, a whole house generator, and a large basement offering plenty of storage. With a newer roof, hardwood oak flooring throughout and sturdy brick construction, this home is built to last. Plus, no flood insurance is required in this non-flood zone location. Experience the perfect blend of comfort, style, and location-close to town and the park- this home is truly move-in ready and offers a lifestyle of convenience and comfort on the South Shore of Long Island.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$650,000
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 | $520,000 | $520,000 | $520,000 |
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 | $1,159 | $1,159 | $1,159 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,460 | $3,416 | $4,385 |
Total Monthly Payment | $4,711 | $4,667 | $5,636 |
* 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.