Welcome Home To Your Beautifully Situated 3 Bedroom 2 Bath Split Nestled On A Private . 23 Acre Property Enhanced By A Wooded Hill In The Heart Of The College Section Of Smithtown, Long Island! Upon Arriving You Are Greeted By Extensive Cambridge Block Accents Along The Concrete Driveway, Walkway, Steps And Front Entryway, Which All Highlight The Updated Certainteed Shake Cedar And Clapboard Vinyl Siding. Exquisite Brick Work Highlights Three Beautiful Bay Windows That Overlook The Expansive Front Yard. Updated Andersen Windows, Gutters, Leaders, and Mouldings Complete the Look. Your Home In Smithtown Offers The Commack School District, Brady Park, Caleb Smith State Park, Convenient Shopping, Including The Smith Haven Mall And Easy Access To The Parkways And Highways. This Well Maintained Home Offers Three Levels Of Living Space. Each Floor Is Flooded In Natural Light And Brightly Painted Rooms. Two Updated Bathrooms Enhance The Usability Of The First And Third Floors. The Three Upstairs Bedrooms Offer Hardwood Door Closets And Hardwood Floors, Presently Covered By Wall To Wall Carpeting. Easy Access To The Attic, Currently For Storage, Can Become Additional Living Space With The Proper Permits. The Second Floor Interior Includes A Welcoming Foyer With Entry Closet Flows Easily Into The Eat In Kitchen, Gracious Living Room And Dining Area Complete With An Opulent Chandelier. Hardwood Floors, Presently Covered In Wall To Wall Carpeting, And Tile Floors Flow Through The Main Living Areas. The Den And Bonus Area Have Carpeting And Tile As Well. The Laundry And Utility Room Offers Extra Storage Space Along With A Unique Crawl Space Under The Living Room That Has Been Freshly Painted With A Moisture Wick Sealcoat Allowing For Convenient Usage. Relax Comfortably In The Living Room While Enjoying The Views To The Backyard Where Your Gray Cambridge Brick Patio, Ensconced In A Red Brick And Bluestone Topped Sitting Wall, Are Complemented By A New Automatic Awning That Covers The Patio For Carefree Entertaining. Additionally, Your Property Is Enhanced By Beautiful Trees That Add To Your Backyard Privacy. Embrace The Countless Opportunities To Enhance Your Enjoyment By Making This House Your Forever Home Today!
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Our Executive Mortgage Banker:
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$699,000
William Raveis Real Estate
Phone: 888.699.8876
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 | $559,200 | $559,200 | $559,200 |
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% | 7.159% | 6.538% |
Monthly Tax Payment | $952 | $952 | $952 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,815 | $3,717 | $4,795 |
Total Monthly Payment | $4,859 | $4,761 | $5,839 |
* 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.