Pride in ownership is an understatement for this impeccably kept home! Upon entering the home, you will immediately notice this is not your typical Hi Ranch! You are welcomed by a wide, well appointed staircase to the, oh so light & bright, main level which boasts a beautifully renovated (2023) eat-in kitchen with stainless steel appl's & quartz covered counters. Perfect for entertaining, the dining space is open to the expansive living room adorned with sliders leading to the rear deck, redone 2023. The main floor is complete with hardwood floors under the carpeting, 2 guest bedrooms, a spacious primary bedroom, as well as a full bathroom with lots of storage. Uniquely placed, the staircase at the rear of the home, leads to the lower level with a landing featuring gorgeous french doors adorned with an eyebrow window above, giving an impressive view of the rear yard. From there, just a quick turn and you are down a short flight of stairs to the lower level. This level is complete with a large family room also providing outdoor access, 2 additional bedrooms, a full bathroom, laundry area & more. There are many more updates to this home including natural gas heat (2013), roof 1st layer (2018), inground sprinklers (2021), & siding, trim, soffits, front door, gutters, downspouts, patio, walkways, front steps (all done 2010). The location offers a haven for outdoor enthusiasts, with beach rights to the Town of Smithtown beaches and a boat ramp nearby as well as many local area parks & preserves with walking trails. Golfers will delight in the many surrounding courses, while foodies will enjoy being minutes from Main Street's local restaurants as well as shopping. Commute with ease to the LIRR and parkways. Taxes with Basic STAR $11, 322.
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Our Executive Mortgage Banker:
Our Insurance Division:
$699,000
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 | $559,200 | $559,200 | $559,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.159% | 6.296% |
Monthly Tax Payment | $1,017 | $1,017 | $1,017 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,720 | $3,717 | $4,716 |
Total Monthly Payment | $4,829 | $4,826 | $5,825 |
* 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.