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Welcome to this classic, charming Colonial in the highly desirable Brightwaters Village, a home that carries the kind of timeless character you simply can’t recreate today. A sun-filled enclosed porch sets the tone as you step into a spacious living room with a wood-burning fireplace, followed by a dining room and an eat-in kitchen with granite countertops. The main level also includes a half bath and a flexible bonus room ideal for a home office or additional living space. Upstairs you’ll find a full bathroom, pull-down attic access, and three bedrooms including a large primary with a walk-in closet. Wood floors run throughout the home, adding to its authentic charm. The unfinished basement offers great storage potential and includes a french drain. This corner lot features a compact rear yard complemented by a generous side yard that maximizes outdoor use and creative possibilities. Additional highlights include vinyl windows, 200-amp electric service, a deck area, shed, and a two-car garage with a walk-up attic. This home is perfect for someone ready to bring their vision to life and unlock the property’s full potential. Conveniently situated in the Bay Shore School District, the home offers close proximity to Bay Shore’s vibrant downtown, major highways, shopping, dining, hospitals, neighborhood parks, the LIRR, Fire Island ferry service, and nearby lakes, canals, and beaches.
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Our Executive Mortgage Banker:
Our Insurance Division:
$699,000
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 |
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|---|---|---|---|
| Loan Amount | $559,200 | $559,200 | $559,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.209% | 6.292% | 5.628% |
| Monthly Tax Payment | $1,281 | $1,281 | $1,281 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,175 | $3,398 | $4,532 |
| Total Monthly Payment | $4,548 | $4,771 | $5,905 |
* 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.