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Move right in and enjoy true peace of mind in this beautifully updated 3 bedroom, 2 bath colonial where the big-ticket items are already taken care of. Recent 2025 improvements include a new roof, gutters, windows, two fully renovated bathrooms, and a brand new oil burner with a double-walled oil tank. These are the kind of updates buyers love knowing are already done. And just when you thought it couldn’t get better… A brand new gas fireplace with a stunning stone surround is being added to the living room and will be completed by the end of January. Meaning cozy nights and serious living-room envy are already on the way. Over the last five years, the home has continued to be thoughtfully improved with mini split A/C units on the first floor, an updated kitchen, a new saltwater pool liner, pavers, and an in-ground sprinkler system with 2 zones in the front, 4 zones in the back, plus misters for the flower beds. Inside, the layout feels comfortable and functional with a full basement offering plenty of storage and flexibility. Outside, the fully fenced backyard is designed for enjoyment and easy summer living, complete with a saltwater pool, paver patio, and a conveniently located full bathroom just steps from the back door, perfect for pool days and outdoor entertaining. The home is NOT located in a flood zone, offering additional peace of mind for homeowners. Ideally situated near Smith Point Beach, Fire Island National Seashore, Wertheim Wildlife Refuge, local parks, shopping, and restaurants, with easy access to Sunrise Highway and the LIE. Shirley offers a coastal lifestyle with a strong sense of community and everyday convenience. All that’s left to do is move in, light the fire and enjoy. This home is truly ready for its next chapter.
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Our Executive Mortgage Banker:
Our Insurance Division:
$650,000
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 |
|
|---|---|---|---|
| Loan Amount | $520,000 | $520,000 | $520,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.285% | 6.156% | 5.522% |
| Monthly Tax Payment | $914 | $914 | $914 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,953 | $3,114 | $4,180 |
| Total Monthly Payment | $3,959 | $4,120 | $5,186 |
* 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.