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Pristine Spackenkill home impeccably maintained by the original owners. The immediate appeal of this home begins with the exterior, highlighted by a newer roof, driveway and siding all perfectly punctuated by a lovely portico which shields you and your guests from the elements. As you ascend the interior stairs you are treated to new carpeting. If you prefer hardwood floors, not to worry, as there are hardwood floors under the carpeting which have always been covered and protected. The living room is spacious, flooded with natural light and flows effortlessly into the dining room. The kitchen offers sleek cabinetry, plenty of storage, a dine-in area and access to an expansive 3 season room which includes an entire wall of windows from which you can take in nature and bring in the outdoors. In the warmer weather, head out to the Trex deck for some sun and fresh air. You will love the level, fenced back yard. If it gets too hot, head back inside and cool off with central air. A generous primary bedroom, two additional bedrooms and an updated full bath complete the main level. There is also a fully finished lower level; a perfect place to entertain or simply retreat, relax and watch some TV after a long day. The half bath is an added bonus. This is truly a move-in condition home. All of the big ticket, costly items have been done. Simply unpack your bags and make it your own. Located in the Spackenkill school district, conveniently located close to shopping, schools, medical facilities, restaurants, public transportation, the Poughkeepsie train station and all that the fantastic Hudson Valley has to offer.
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Our Executive Mortgage Banker:
Our Insurance Division:
$429,900
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 | $343,920 | $343,920 | $343,920 |
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 | 7.191% | 7.042% | 6.160% |
Monthly Tax Payment | $801 | $801 | $801 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,259 | $2,259 | $2,879 |
Total Monthly Payment | $3,135 | $3,135 | $3,755 |
* 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.