|
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,
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$849,999
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
|
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.