Charming inline ranch featuring a large living room and bright eat in kitchen with stainless steel appliances, skylight, high hats and abundant natural light. offers 3 bedrooms including a primary en-suite with deck access, plus 2 additional spacious bedrooms. Full clean unfinished basement with utilities, washer/dryer. Private backyard with deck and shed. Laminate flooring throughout with tile in kitchen and baths.
On Market Date:
07/20/2026
Type:
Single-family residential
Heating:
Baseboard, Hot Water, Oil
Cooling:
Wall/Window Unit(s)
Basement:
Full, Unfinished
Construction
Shake Siding
Utilities
Cable Connected, Electricity Connected, Phone Connected, Water Connected
Lot Description:
Cleared, Landscaped, Private, Sprinklers In Front, Sprinklers In Rear
Elementary School:
Oxhead Road School
Middle School:
Dawnwood Middle School
High School:
Centereach High School
School District:
Middle Country
Appliances:
Dishwasher, Electric Oven, Refrigerator, Tankless Water Heater, Washer, Oil Water Heater
12 Oak Street, Centereach, NY, 11720
The rates and annual percentage rate (APR) displayed are based upon the following assumptions: a 20% down payment (e.g. $20,000 down on a $100,000 purchase price), conforming loan amount, $1,950 in finance charges, 30 days prepaid interest, 1 point, 30 day rate lock. The rates and annual percentage rate (APR) will vary depending upon the actual down payment percentages, points and fees for your transaction. Rates and the margin for adjustable rate mortgages [if applicable] are subject to change without prior notice and may vary with your unique credit history, and terms of your loan. The rates displayed vary by property state, may change or not be available at commitment or closing or may be subject to product restrictions.
The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first five years (for a 5/6 ARM) or seven years (for a 7/6 ARM) 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.
CT Mortgage Lender ML-2630 - MA Mortgage Lender and Mortgage Broker #MC2630 - NH Mortgage Banker #11083-MB - RI Mortgage Lender & Mortgage Broker #20051918LL & #20051919LB - NY Licensed Mortgage Banker - NYS Department of Financial Services LMBC 106535 / B500898 - NJ Residential Mortgage Lender 2630 - FL Mortgage Lender MLD1388 - VT Lender & Mortgage Broker #6952 & #1297MB
