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1093 Gardiner Drive, Islip (Bay Shore), NY, 11706 | $649,999
Welcome to this stunning, fully updated ranch home in the heart of Brightwaters. This property has recently been meticulously renovated down to the studs, blending modern luxury with cozy comfort. The bright, airy white kitchen features smart appliances and a beautiful island making cooking and entertaining both convenient and stylish. The home offers a brand-new bathroom and a striking new fireplace, adding warmth and ambiance for relaxing evenings at home. Spacious rooms throughout leave plenty of room to live, work, and entertain. The full, finished basement is a true highlight, offering a newly updated bathroom, separate entrance and endless possibilities—perfect for a home office, gym, or guest space. For added value, the property also includes a legal studio apartment, providing a fantastic opportunity for rental income or multi-generation accommodations. Located on a desirable corner lot, this home offers the perfect balance of quiet residential living with easy access to all that Brightwaters has to offer. A true combination of luxury, comfort, and endless potential—this home is ready to welcome its next owner.
Features
- Town: Islip
- Rooms: 7
- Bedrooms: 3
- Baths: 3 full
- Style: Ranch
- Year Built: 1952
- Heating: Natural Gas
- Cooling: Central Air
- Basement: Finished, Full
- Approx Sq. Feet: 2,382
- Acreage: 0.17
- Est. Taxes: $9,094
- Elem. School: Mary G Clarkson School
- Middle School: Bay Shore Middle School
- High School: Bay Shore Senior High School
- School District: Bay Shore
- Appliances: Dishwasher, Dryer, ENERGY STAR Qualified Appliances, Microwave, Oven, Range, Refrigerator, Washer
- MLS#: 813476
- Days on Market: 2 days
- Website: https://www.raveis.com
/prop/813476/1093gardinerdrive_islip_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
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- 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 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
1093 Gardiner Drive, Islip (Bay Shore), NY, 11706
$649,999
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 | $519,999 | $519,999 | $519,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.875% | 6.990% | 5.990% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.191% | 7.171% | 6.276% |
| Monthly Tax Payment | $758 | $758 | $758 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,416 | $3,456 | $4,385 |
| Total Monthly Payment | $4,266 | $4,306 | $5,235 |
* 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