Welcome to 20 Church Ln. in Middle Island, a truly special ranch stlye home nestled on a 2-acre level lot offering endless possibilities. Whether you're a horse enthusiast seeking an equestrian retreat or envision a property ideal for agriculture and gardening, this home provides the perfect canvas, including space for an inground pool, entertaining areas, or even exploring the potential for a subdivision. As you step onto the covered front porch, you're welcomed into a charming and updated ranch featuring a spacious living room, a newly updated wood kitchen (2021) with quartz countertops and black stainless steel appliances (2017), including a propane gas stove, a formal dining room, and a huge primary bedroom. The full bathroom, beautifully updated in 2023, and the second bedroom complete the main level, which also features wood Anderson windows (2019) throughout most of the house and wood floors adding warmth and character. Storage abounds with a full basement that spans the entire footprint of the 1, 379-square-foot main level, offering indoor and outdoor access, as well as a full attic. An oversized driveway leads to a two-car detached garage. The screened-in back patio opens to the expansive yard that is perfect for enjoying peaceful evenings in your private oasis. Located across from a 10-acre nature preserve, this home offers exceptional privacy and serenity, making it an ideal retreat while still being close to modern conveniences. This property is more than a home-it's an opportunity to create the lifestyle you've been dreaming of!
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Our Executive Mortgage Banker:
Our Insurance Division:
$529,999
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $423,999 | $423,999 | $423,999 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.352% | 7.042% | 6.160% |
Monthly Tax Payment | $984 | $984 | $984 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,785 | $2,785 | $3,549 |
Total Monthly Payment | $3,861 | $3,861 | $4,625 |
* 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.