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237 Fifth, Smithtown (Saint James), NY, 11780 | $649,999
First Accepted Offer****Welcome to this delightful 3-bedroom, 1. 5-bath ranch home, nestled on a beautiful corner lot in a quiet, desirable neighborhood. Step inside to discover warm hardwood floors that flow throughout the entire main level, offering a timeless and inviting feel. The spacious living area provides the perfect space for relaxation, while the formal dining room offers an elegant setting for family meals and special occasions. The eat-in kitchen is bright and functional, featuring plenty of cabinet space and room for casual dining or morning coffee. Need more space? The partially finished basement provides additional living area, ideal for a home office, gym, or recreation room-tailored to suit your needs. Enjoy peaceful evenings on the screened-in porch, perfect for unwinding and enjoying the outdoors. A detached 2-car garage offers convenience and ample storage space. Located within the highly-rated Smithtown School District, this charming home offers both comfort and value in a prime location. With its many features and unbeatable price, this home won't last long!
Features
- Town: Smithtown
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Style: Ranch
- Year Built: 1956
- Garage: 2-car Detached
- Heating: Electric, Baseboard
- Cooling: Window Unit(s)
- Basement: Bilco Door(s), Partially Finished
- Acreage: 0.29
- Est. Taxes: $11,336
- Lot Desc: Near Public Transit
- Elem. School: Mills Pond Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer
- MLS#: 3589952
- Days on Market: 5 days
- Website: https://www.raveis.com
/prop/3589952/237fifth_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
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
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
237 Fifth, Smithtown (Saint James), NY, 11780
$649,999
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 | $519,999 | $519,999 | $519,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
| Monthly Tax Payment | $945 | $945 | $945 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,460 | $3,456 | $4,459 |
| Total Monthly Payment | $4,497 | $4,493 | $5,496 |
* 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