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20 Heathcote Road, Carmel, NY, 10512 | $415,000
Price Improvement! Priced to Sell!! Welcome to 20 Heathcote Road – a CHARMING 3-bedroom with den/office, 1. 5 baths w/detached one-car garage & workshop. Relax on your front porch overlooking the fenced yard adorned w/cherry, magnolia, maple, and peach trees. The main level features a large sunroom/entryway, a cozy living room w/pellet stove (perfect for the winter months), primary bedroom, second bedroom, updated bath, kitchen, dining area, laundry area and pantry! The kitchen provides easy access from the flat driveway (convenient for bringing in the groceries), new butcher block countertops, new backsplash & large walk-in pantry closet w/radiant floor heating & shelving. The renovated bath also features radiant floor heating for added comfort, while the main-level laundry area enhances the home’s overall convenience. The second floor features a nice-sized bedroom w/half bath and additional den/office, w/great POTENTIAL to tailor the space to your needs. New flooring extends through the kitchen, pantry, dining area, sunroom, and entire second level! Some additional features include NEWLY black topped driveway, NEW back steps/railing, NEWER roof on main home/garage, NEWER ABG oil tank, boiler, electric panel, well pump, septic lid. Refrigerator & dryer approx. 2 years old (other appliances approx. 4 years old). Home has whole house water filter, generator hook-up, outside cameras w/flood lights & motion/sound detection, many windows on main level w/in 10 years. With a few more updates you will be calling this "home sweet home" for years to come. CLOSE distance to Lake Carmel to enjoy 7 beaches, fishing, non-motorized boating, playground, basketball, swimming. Close to parks, schools, library, shopping, golf, skiing. Quick access to Metro-North, I-84, and convenient routes to Danbury, White Plains, and NYC.
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 1 full / 1 half
- Laundry: In Kitchen
- Style: Cottage
- Year Built: 1938
- Garage: 1-car
- Heating: Baseboard, Oil, Radiant, Radiant Floor
- Cooling: Wall/Window Unit(s)
- Basement: Partial, Unfinished
- Approx Sq. Feet: 1,496
- Acreage: 0.18
- Est. Taxes: $8,427
- Lot Desc: Back Yard, Front Yard, Level, Near Golf Course, Near Public Transit, Near School, Near Shops, See Remarks
- Water Front: Yes
- Elem. School: Matthew Paterson Elementary School
- Middle School: George Fischer Middle School
- High School: Carmel High School
- School District: Carmel
- Appliances: Dishwasher, Dryer, Oven, Refrigerator, Stainless Steel Appliance(s), Washer
- MLS#: 929734
- Days on Market: 28 days
- Website: https://www.raveis.com
/prop/929734/20heathcoteroad_carmel_ny?source=qrflyer
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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- Market your home to realize a quick sale at the best possible price
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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
20 Heathcote Road, Carmel, NY, 10512
$415,000
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 | $332,000 | $332,000 | $332,000 |
| 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 | $702 | $702 | $702 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,937 | $2,017 | $2,691 |
| Total Monthly Payment | $2,714 | $2,794 | $3,468 |
* 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