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This expanded cape home featuring a unique floorplan with two separate living spaces, offering four bedrooms, three full baths, and two half baths on a flat quarter-acre lot with mature fig trees. An inviting front porch leads into the entry hall to the open concept living room, dining area and updated chef’s kitchen with a eat in space. The kitchen showcases granite countertops, custom cabinetry and commercial range along with access to a half bath. The main level includes two bedrooms, a full hall bath, second half bath and a spacious great room featuring cathedral ceilings, many windows and sliding glass doors to the deck and fenced yard. The laundry area and attached two-car garage complete this floor. A staircase from the kitchen leads to the second floor to the primary bedroom and an additional bedroom each with generous closets and an ensuite full baths. The partial basement is unfinished with ample storage and utilities. This home offers three pull-down attics, a new roof, three-zone central air, gas heat, a generator hookup, Andersen windows, 200 amp electric, in ground sprinklers and driveway parking for multiple vehicles. With its versatile layout and abundant storage, the possibilities are endless! Accessory dwelling unit possible with proper permits. Don't miss this special home located in the Smithtown school district with lots of updates.
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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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $663,920 | $663,920 | $663,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 4.750% | 5.750% | 5.500% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.028% | 5.858% | 5.681% |
| Monthly Tax Payment | $1,636 | $1,636 | $1,636 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,463 | $3,874 | $5,425 |
| Total Monthly Payment | $5,191 | $5,602 | $7,153 |
* 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.