4 Thistle Lane, Middletown, NY, 10940 | $440,000

Spacious & Versatile Raised Ranch in Prime Middletown Location! Not your average bi-level! This move-in-ready, raised-ranch-style home in Middletown, within the Minisink Valley School District, offers the perfect blend of convenience and comfort. Located near Garnet Medical Center, Crystal Run, shopping centers, supermarkets, and with easy access to Metro-North and major highways, it’s an ideal choice for commuters and locals alike. The main level features a primary suite with an en-suite full bath, plus two additional generously sized bedrooms. A bright and airy living room with a wood-burning stove sets the perfect scene for cozy fall and winter nights. The formal dining area flows seamlessly into the extra-large kitchen, complete with a center island and sliding patio doors leading to the roof deck and attached terrace, overlooking a spacious backyard with an above-ground pool—perfect for entertaining and endless summer staycations! The full-sized lower level offers even more living space, including a fourth bedroom, a large family/recreation room, a potential home office area, and another full bath. With its own separate walkout entrance, this level provides flexibility for guests, extended family, or even a possible secondary or accessory suite. Additional highlights of this wonderful home include a two-car attached garage, a dedicated laundry room with washer & dryer, and ample storage space. Endless possibilities await—don’t miss your chance to make this incredible home your own!

Features

  • Rooms: 11
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Style: Raised Ranch
  • Year Built: 1987
  • Garage: 2-car
  • Heating: Baseboard, Oil
  • Cooling: Wall/Window Unit(s)
  • Basement: Finished, Walk-Out Access
  • Approx Sq. Feet: 2,848
  • Acreage: 1.2
  • Est. Taxes: $10,047
  • Elem. School: Otisville Elementary School
  • Middle School: Minisink Valley Middle School
  • High School: Minisink Valley High School
  • School District: Minisink Valley
  • Appliances: Microwave, Range, Refrigerator, Oil Water Heater
  • MLS#: 832175
  • Days on Market: 190 days
  • Website: https://www.raveis.com
    /prop/832175/4thistlelane_middletown_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Howard Hanna Rand Realty   Phone: 845-928-9691

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
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  • 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.

Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@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

4 Thistle Lane, Middletown, NY, 10940

$440,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $352,000 $352,000 $352,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.324% 6.500% 5.710%
Monthly Tax Payment $837 $837 $837
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,082 $2,196 $2,874
Total Monthly Payment $2,994 $3,108 $3,786

* 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.