74 Cottage Road, Carmel (Kent), NY, 10512 | $389,900
A winning combo! Come for the vintage charm, buy for the value-adding upgrades. This dormered Cape Cod home with 3-4 BRs, 1. 5 baths, a modern eat-in kitchen, laundry and full, largely finished basement sits on a quarter-acre+, corner lot overlooking Lake Carmel. Improved from top to bottom in past 9 years: roof reshingled; deck replaced; all exterior doors & first floor doors replaced; resilient flooring added; H/W on demand, whole-house water softener/filtration system, french drain, & sump pump added; well pump replaced; electrical upgraded to 200amp service; circuit breakers & generator outlet added. Gas BBQ, lawn tractor, two snow blowers & portable generator included in sale. Enjoy lake rights and views. Carmel Hamlet location provides easy access to local and big box shopping, MetroNorth commuter trains, easy I-84 access. Hard-to-beat value in a lovely and convenient lake-community setting.
Features
- Town: Carmel
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Laundry: In Unit
- Style: Cape Cod
- Year Built: 1960
- Heating: Oil, Baseboard, Hot Water, Steam
- Cooling: Central Air
- Basement: Partially Finished, Walk-Out Access
- Approx Sq. Feet: 1,248
- Acreage: 0.27
- Est. Taxes: $10,036
- Lot Desc: Corner Lot
- View: Lake
- Water Front: Yes
- Elem. School: Kent Elementary School,Kent Primary School
- Middle School: George Fischer Middle School
- High School: Carmel High School
- School District: Carmel
- Appliances: Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Water Purifier Owned
- MLS#: H6328718
- Days on Market: 6 days
- Website: https://www.raveis.com
/prop/H6328718/74cottageroad_carmel_ny?source=qrflyer
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888.699.8876
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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
- Offers you pre-approval in minutes!
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
74 Cottage Road, Carmel (Kent), NY, 10512
$389,900
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 | $311,920 | $311,920 | $311,920 |
| 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 | $836 | $836 | $836 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,075 | $2,073 | $2,630 |
| Total Monthly Payment | $2,986 | $2,984 | $3,541 |
* 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