280 Moriches Road, Smithtown (Saint James), NY, 11780 | $849,999

Set on 1. 5 acres of level, flat property in St. James, this home offers a private and peaceful retreat while remaining conveniently close to everyday amenities. The expansive parcel presents potential for subdivision (buyer to verify), including the possibility of a flag lot or alternate access from Lt. John A. Olsen Lane with approved easement. Lovingly maintained by the same owners for over 25 years, the home features numerous updates including double cesspools (approx. 2 years), burner (approx. 3 years), kitchen appliances (approx. 2 years), and new commercial-grade flooring throughout—extra thick and scratch-resistant. Two beautifully updated baths (under 3 years), including an upstairs bath with radiant heated floors, add to the home’s appeal. Additional improvements include an updated eat-in kitchen and a 40-year roof with approximately 20 years remaining. The home includes a legal garage conversion with a private entrance, ideal for extended family, with potential for a legal accessory apartment with proper permits. An oversized driveway provides ample parking and easily accommodates an RV, boat, or trailer. A large unfinished basement with both interior and exterior entrances offers endless possibilities and features a wood-burning stove, allowing heat to naturally rise throughout the home. Enjoy the convenience of a recreational park just across the street, complete with tennis, volleyball and basketball courts, soccer field, playground, and water park—offering activities for every age. Located in the desirable Smithtown School District and just minutes from fine dining, shopping, and local conveniences,

Features

  • Town: Smithtown
  • Rooms: 9
  • Bedrooms: 5
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Style: Cape Cod
  • Year Built: 1958
  • Heating: Hot Water, Oil
  • Cooling: Wall/Window Unit(s)
  • Basement: Full, Walk-Out Access
  • Approx Sq. Feet: 1,897
  • Acreage: 1.5
  • Est. Taxes: $17,544
  • Lot Desc: Part Wooded, Sprinklers In Front, Sprinklers In Rear
  • View: Trees/Woods
  • Elem. School: Mills Pond Elementary School
  • Middle School: Nesaquake Middle School
  • High School: Smithtown High School-East
  • School District: Smithtown
  • Appliances: Dishwasher, Oven, Range, Refrigerator, Oil Water Heater
  • MLS#: 948402
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/948402/280morichesroad_smithtown_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 Coach   Phone: 631-928-5484

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

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

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280 Moriches Road, Smithtown (Saint James), NY, 11780

$849,999

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $679,999 $679,999 $679,999
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.165% 6.235% 6.058%
Monthly Tax Payment $1,462 $1,462 $1,462
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,861 $4,132 $5,692
Total Monthly Payment $5,415 $5,686 $7,246

* 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.