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Set on two tax lots and bordered by preserved state land, this elevated 3-bedroom, 1-bathroom raised ranch is ideal for boaters, entertainers, or anyone seeking a relaxed coastal lifestyle. Raised by NY Rising and updated throughout, the home features 1, 194 sq ft of living space with a full-height basement offering incredible potential, accessible via double doors. Step into a vaulted foyer with chandelier and wood-burning stove that sets a warm, welcoming tone. The living area flows toward the rear of the home where you'll find a beautifully finished kitchen with granite countertops, a breakfast island with a hanging pot rack, stainless steel appliances, and glass-front cabinets. Hardwood floors run throughout, and the bathroom is elegantly done in tumbled marble. One of the secondary bedrooms features a custom loft with ladder access, adding extra functional space perfect for storage, a reading nook, or a play area. Outside, enjoy two raised Trex decks, a detached 2-car garage, a boat port, and freshly power-washed cedar shake siding. With DEC-permitted water access and docking potential at the rear, it’s a dream setup for boaters. The home also includes brand-new central air, all-new plumbing, newer windows, a newer boiler, upgraded 200 AMP electric, and a newer roof, giving you peace of mind for years to come. Because the home has been elevated by NY Rising, flood insurance has been significantly reduced from several thousand dollars to just a few hundred annually. Low Taxes: $3, 968. 69
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Our Executive Mortgage Banker:
Our Insurance Division:
$449,990
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $359,992 | $359,992 | $359,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.161% | 6.132% | 5.541% |
| Monthly Tax Payment | $331 | $331 | $331 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,016 | $2,156 | $2,894 |
| Total Monthly Payment | $2,422 | $2,562 | $3,300 |
* 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.