Presented byPaula Fahy Ostop |
Location, Light, AND a deeded indoor parking space for under $300K this is your Riverdale Unicorn. It's spacious, airy, and ideally located in South Riverdale's desirable Spuyten Duyvil enclave. With two bedrooms and improvements throughout, this sunny apartment can be found at the Congressional, a charming co-op with swimming pool, playground, garden and picnic area. The mid-century building is at the end of a leafy cul-de-sac in a residential neighborhood primarily comprised of single-family homes. Henry Hudson Bridge is just a few blocks away. You'll enter a generous foyer with an extra closet, seamlessly transitioning into an open space concept that is large enough for living, dining, entertaining, and relaxing. The area is flooded with natural light from an entire wall of windows, bathing recently upgraded floors in a warm glow. The spacious eat-in kitchen has been renovated with granite counters, handsome cabinetry, and full-sized appliances including a dishwasher and three-door stainless steel fridge. The primary bedroom with its east-facing windows has all the space you'll need for bed, furniture, and even a desk, while the second bedroom has windows on two sides as well as dual entries, one from the kitchen and the other from the living room. The updated bath has wall-to-wall tile, a freestanding medicine cabinet, basin sink, and a combo tub and rain shower with dual heads. Deeded indoor parking is a rare find in the neighborhood and is included at no additional cost. The Congressional is a well-maintained cooperative building with a large front lobby, a live-in super, outdoor swimming pool, outdoor grilling and lounge area, playground, laundry, and parking. You'll be close to local shops and restaurants, Henry Hudson Park, Phyllis Post Goodman Park, the waterfront greenbelt, Spuyten Duyvil Metro North Station, the 1 train at 231st St, and multiple bus stops (express & local), all in a quiet and walkable neighborhood. No dogs allowed. Building requires a minimum 20% down payment. There is a current assessment in place of $233. 70/mo for Local Law 11 work. The assessment currently runs through 3/31/27. Grand total for maintenance including parking and assessments is $1, 580. 43/mo.
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Luxury Properties Specialist
William Raveis Real Estate
Phone: 860.748.1845
Paula.Ostop@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 860.990.2486
paul.addamo@raveis.com
NMLS Mortgage Loan Originator ID 93047
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $239,200 | $239,200 | $239,200 |
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% | 7.171% | 6.518% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,632 | $1,590 | $2,051 |
Total Monthly Payment | $1,707 | $1,665 | $2,126 |
* 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.