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122 4th Street, Smithtown (Saint James), NY, 11780 | $1,099,000
Why settle for someone else’s dream when you can build your own? Welcome to this brand-new TO BE BUILT colonial-style home designed with today’s lifestyle in mind. Set on a deep 15, 840 sqft lot, this to-be-built beauty will offer over 2, 400 square feet of fresh, functional living space and the kind of craftsmanship and energy efficiency only new construction can deliver. Inside, you’ll find four bedrooms, including a spacious primary suite with a walk-in closet and private bath, plus two additional full bathrooms—plenty of space for guests, or a growing household. The open-concept kitchen will shine with granite countertops, stainless steel appliances, and flows right into the formal dining room for easy entertaining. This home will be built with Energy Star-rated systems, a separate hot-water storage tank, and high-quality materials throughout. You’ll also get a full basement with customization potential and a scenic south-facing backyard that’s perfect for relaxing or creating your own outdoor retreat. Located in the Smithtown School District and close to parks, shopping, and transportation—it checks every box for modern living. Please Note: Construction-related fees are subject to change and may include: • Water Tap ($5, 800) • Utilities ($1, 100) • Gas (free, where applicable) • Survey ($1, 800) • Transfer Tax (standard) All prices, plans, tax estimates, and utility options are subject to change based on market conditions and site selection. Taxes are estimated by the Smithtown Assessor. See attachments for full specifications. Now’s the time to secure your future in a brand-new, energy-efficient home in a prime Long Island location.
Features
- Town: Smithtown
- Rooms: 8
- Bedrooms: 4
- Baths: 3 full
- Laundry: Gas Dryer Hookup, Laundry Room, Washer Hookup
- Style: Colonial
- Year Built: 2026
- Garage: 1-car
- Heating: ENERGY STAR Qualified Equipment, Hydro Air
- Cooling: Central Air
- Basement: Full, Unfinished
- Approx Sq. Feet: 2,416
- Acreage: 0.36
- Est. Taxes: $18,500
- Lot Desc: Back Yard, Front Yard, Level, Sprinklers In Front
- View: Neighborhood
- Elem. School: St James Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Dishwasher, Gas Range, Refrigerator, Tankless Water Heater
- MLS#: 936825
- Days on Market: 55 days
- Website: https://www.raveis.com
/eprop/936825/1224thstreet_smithtown_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.
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
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
122 4th Street, Smithtown (Saint James), NY, 11780
$1,099,000
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
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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 | $879,200 | $879,200 | $879,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.125% | 5.875% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.021% | 5.984% | 5.806% |
| Monthly Tax Payment | $1,542 | $1,542 | $1,542 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $4,787 | $5,201 | $7,242 |
| Total Monthly Payment | $6,454 | $6,868 | $8,909 |
* 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