This charming semi-detached corner brick two-family home is located in the highly desirable neighborhood of Saint Albans, NY. Currently being used as a one-family home, this property boasts 2, 070 sq. feet of living space, with 4 spacious bedrooms and 3 full baths. The home also includes a fully finished basement with two separate entrances, offering great potential for additional use. The main level features a welcoming living room with a cozy fireplace, perfect for entertaining. The full kitchen comes equipped with sleek granite countertops and an island, creating an ideal space for cooking and socializing. Adjacent to the kitchen is a beautiful dining room, perfect for family meals or hosting guests. The home is awaiting your personal touch and offers the flexibility to be converted back into a multi-family setup, thanks to its R3-2 zoning, allowing you to generate rental income. Additional highlights include a detached one-car garage, a driveway for extra parking, and convenient street parking. Ideally located, this home is just minutes away from the Saint Albans stop on the Long Island Railroad, providing easy access to the city. It's also within a short distance of the subway, schools, and parks, offering both comfort and convenience in a prime location.
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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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $759,999 | $759,999 | $759,999 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.875% | 6.500% | 6.000% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.820% | 6.597% | 6.158% |
Monthly Tax Payment | $583 | $583 | $583 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,496 | $4,804 | $6,413 |
Total Monthly Payment | $5,171 | $5,479 | $7,088 |
* 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.