Charming expanded ranch just blocks from the beach now being offered in Shoreham. This unique home is abundant with character that is sure to give you that warm & cozy "at home" feel. Plenty of sunshine fill the west facing front rooms of the home. Large living room spills into the formal dining room also featuring a sitting area and fireplace. An additional large den off the back of the house boasts vaulted ceilings and is spacious with plenty of potential for new owners. Old Shoreham charm is represented in the eat-in-kitchen with door to back patio. 3 Bedrooms and 2 full bathrooms in this home that is equipped with solar panels and features hardwood floors throughout. Master bedroom is connected to an additional room being used currently as an office/studio. 1 car attached garage contains access to full unfinished basement with high ceilings and utilities. Patio off back of house is extremely private and relaxing. The 0. 41 acre lot is filled with a perfect variety of landscape trees, bushes, ground cover, and walkways to a shed & garden on a hill. This home is in the SWR school district and the true taxes are $15, 314. Close to Port Jefferson and all farm-stands and wineries on the North Shore of Long Island.
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William Raveis Real Estate
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Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.Alvarez@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 | $495,920 | $495,920 | $495,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.159% | 6.538% |
Monthly Tax Payment | $1,276 | $1,276 | $1,276 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,383 | $3,296 | $4,252 |
Total Monthly Payment | $4,751 | $4,664 | $5,620 |
* 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.