122 Cottage Street, Middletown, NY, 10940 | $309,900

Imagine stepping into a home where ease of ownership and a central location blend seamlessly, offering the ideal choice for a first-time homebuyer. This inviting two-bedroom, one-bath residence in Middletown, NY, welcomes you with a thoughtful layout and a low-maintenance setup that includes municipal water and sewer, making life simpler so you can focus on enjoying your new home. Inside, discover the comfort of well-designed spaces waiting to be personalized to your style. The cozy living areas flow effortlessly, creating a warm, inviting atmosphere that’s perfect for everyday living or hosting close friends and family. The kitchen is efficient and well-equipped, with just the right amount of room to make preparing meals a pleasure. Both bedrooms offer a relaxing retreat, while the bath provides everything you need with its classic design. One of the highlights of this home is the private back deck, an ideal spot to unwind with morning coffee or soak up the peaceful evening atmosphere. Step outside and enjoy a quiet space that’s perfect for relaxing alone or gathering with friends, with just enough room for container gardens or a small seating area. The location brings the best of Middletown to your doorstep. Positioned within walking distance to a variety of shops, schools, and local dining, you’ll have easy access to daily conveniences without needing to venture far. For a bit of shopping therapy, visit the nearby Orange Plaza, which offers retail options to meet all your needs, or take a leisurely stroll through downtown’s unique boutiques and eateries. For commuters or anyone who loves an occasional trip to the city, this home’s location near major highways and mass transit options makes NYC just about 70 miles away, keeping the city well within reach. Nearby parks and attractions, such as the serene Fancher-Davidge Park, provide plenty of local outdoor escapes, adding balance to the urban access. This Middletown property captures the best of convenience, comfort, and community, offering a wonderful starting point for anyone looking to stop renting and start building a home of their own.

Features

  • Rooms: 5
  • Bedrooms: 2
  • Baths: 1 full
  • Style: Traditional
  • Year Built: 1900
  • Heating: Oil
  • Cooling: None
  • Basement: Full
  • Approx Sq. Feet: 1,201
  • Acreage: 0.05
  • Est. Taxes: $3,731
  • Lot Desc: Back Yard
  • Elem. School: Presidential Park Elementary
  • Middle School: Middletown Twin Towers Middle Sch
  • High School: Middletown High School
  • School District: Middletown
  • MLS#: H6336155
  • Days on Market: 39 days
  • Website: https://www.raveis.com
    /prop/H6336155/122cottagestreet_middletown_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Keller Williams Hudson Valley   Phone: 845-610-6065

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@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

122 Cottage Street, Middletown, NY, 10940

$309,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@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 $247,920 $247,920 $247,920
Term 360 months 360 months 180 months
Initial Interest Rate** 7.125% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.456% 7.171% 6.276%
Monthly Tax Payment $311 $311 $311
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,670 $1,648 $2,091
Total Monthly Payment $2,056 $2,034 $2,477

* 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.