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23 Union Street, Pawling, NY, 12564 | $419,900
3 Bed | 2 Bath | Fully Electric | Walkable Village Location Turnkey, updated, freshly painted, and full of charm—this 3-bedroom, 2-bath home is perfectly situated in the heart of Pawling Village. Whether you're a first-time buyer using FHA or VA financing, a downsizer, or simply seeking a low-maintenance, energy-efficient home, this property offers a flexible layout, thoughtful upgrades, and access to everything the village has to offer. Key Features: - 3 Upstairs Bedrooms: Queen-sized primary, full-sized second, and a third suitable for a nursery, office, or double bed - 2 Full Bathrooms: One upstairs, one downstairs—ideal for flexible or single-floor living (if you use living room for sleeping as well) - Galley Kitchen: Stainless steel appliances, with room to expand cabinetry or counter space - Fully Electric Home: New efficient mini-split heat pumps provide heating and cooling upstairs and down - Electric Fireplace: Stylish and functional, conveys with the home - In-unit Washer & Dryer: Included - Security System: Exterior cameras, floodlight, and doorbell camera all convey - Fresh Upgrades (2021–Present): New siding, heat-pumps, gutters, and front door Outdoor Features: - Shaded Small Lot: Low-maintenance yard—perfect for privacy fencing or patio upgrade - Walkable Location: Steps to bakery, market, laundromat, restaurants, and bars - Community Perks: Farmers market, concerts, and local events year-round - Commuter Access: ~110 minutes to Grand Central via Metro-North - 8-Minute Drive: To Acme, Hannaford, gas, and shopping plazas Additional Info: See Floor plans, professional photos, and full listing deck Reason for selling: Growing family planning to consolidate into a multigenerational home, with hopes of remaining in the beautiful Pawling community.
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 2 full
- Laundry: Electric Dryer Hookup, In Bathroom, Inside, Washer Hookup
- Style: Victorian
- Year Built: 1890
- Heating: Electric, ENERGY STAR Qualified Equipment, Heat Pump
- Cooling: Ductless, Electric, ENERGY STAR Qualified Equipment
- Basement: Bilco Door(s), Unfinished
- Approx Sq. Feet: 1,480
- Acreage: 0.11
- Est. Taxes: $8,272
- Lot Desc: Back Yard, Corner Lot, Level, Near Public Transit, Near School, Near Shops
- View: Trees/Woods
- Elem. School: Pawling Elementary School
- Middle School: Pawling Middle School
- High School: Pawling High School
- School District: Pawling
- Appliances: Cooktop, Dishwasher, Dryer, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Appliances, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer, Indirect Water Heater
- MLS#: 890553
- Days on Market: 138 days
- Website: https://www.raveis.com
/prop/890553/23unionstreet_pawling_ny?source=qrflyer
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.
Customer Service
888.699.8876
Contact@raveis.com
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
- 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.
Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 1880936
347.223.0992
Sarah.DeFlorio@Raveis.com
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
Ryan FortierInsurance Sales Director, William Raveis Insurance
516.739.7731
Ryan.Fortier@raveis.com
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
23 Union Street, Pawling, NY, 12564
$419,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Sarah DeFlorio
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.DeFlorio@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 | $335,920 | $335,920 | $335,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.521% | 6.304% | 5.648% |
| Monthly Tax Payment | $689 | $689 | $689 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,960 | $2,041 | $2,723 |
| Total Monthly Payment | $2,724 | $2,805 | $3,487 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535