15 Stewart Place, #1M, White Plains, NY, 10603 | $449,000

Desirable 2-bedroom duplex - feels like you are living in a home with all the conveniences of a condo. This unit offers great space and fabulous light. The first floor features an open concept kitchen and dining area, a powder room, a large living room with a vaulted ceiling and sliders to an expansive private patio. The second floor boasts a spacious primary bedroom with a walk-in closet and private balcony with new railings. A second ample size bedroom and hall bath complete the upstairs. Heritage Towers offers a free indoor assigned garage parking spot, storage unit and bike rack, as well as, laundry on every floor. Owner can install W/D in unit with approval. The building has recently undergone important improvements such as new roof and new railings on balconies. In addition to the HOA fee ($834 per month), there are two additional monthly fees: Capital Loan Assessment ($396 per month for 9 years) and Capital Reserve Contribution ($300 per month - ongoing). 24-hour concierge and on-site maintenance staff. Unit owners are permitted to have 1 dog and 1 cat. Taxes with Basic Star ($1474) = $7276. All offers must include pre-approval or proof of funds. This unit is being sold "As Is. " Condo application is attached to the listing.


  • Heating: Electric, Heat Pump
  • Cooling: Wall Unit(s)
  • Levels: 12
  • Rooms: 5
  • Bedrooms: 2
  • Baths: 1 full / 1 half
  • Laundry: Common Area
  • Complex: Heritage Towers
  • Year Built: 1972
  • Common Charge: $834 Monthly
  • Approx Sq. Feet: 1,238
  • Est. Taxes: $8,750
  • Lot Desc: Near Public Transit
  • Middle School: White Plains Middle School
  • High School: White Plains Senior High School
  • School District: White Plains
  • Pet Policy: Size Limit
  • Appliances: Dishwasher, Oven, Refrigerator
  • MLS#: H6177506
  • Days on Market: 44 days
  • Website: https://www.raveis.com
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.

Ranked 4th in The Leading Real Estate Companies of The World, The World's Largest Luxury Real Estate Network, Offices

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.

Maureen SkrilowLicensed Real Estate Salesperson



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
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • 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.

Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957



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

Alex FerroInsurance Sales Director, William Raveis Insurance



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

15 Stewart Place, #1M, White Plains, NY, 10603


Maureen Skrilow

Licensed Real Estate Salesperson

William Raveis Real Estate

Phone: 914.393.9115


Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535


NMLS Mortgage Loan Originator ID 69957

5/6 (30 Yr)
Adjustable Rate*
30 Year
15 Year
Loan Amount $359,200 $359,200 $359,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.000% 4.875% 4.250%
Interest Rate based on Index + Margin 4.250%
Annual Percentage Rate 4.821% 5.023% 4.445%
Monthly Tax Payment $729 $729 $729
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,928 $1,901 $2,702
Total Monthly Payment $2,732 $2,705 $3,506

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.