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89 Smith Street, Poughkeepsie, NY, 12601 | $365,000
Modern Elegance Meets Timeless Charm at 89 Smith Street Discover the perfect blend of 1920s architectural character and 2026 contemporary in this meticulously renovated Colonial-style home. Nestled in a revitalized corridor of Poughkeepsie, this property has undergone a comprehensive, top-to-bottom transformation, evolving from a historic fixer-upper into move-in-ready residence. Spanning approximately 1, 800 total square feet, the interior has been reimagined for modern lifestyles. The main level features an expansive, light-filled living room that flows seamlessly into a formal dining area, and half bathroom, ideal for upscale entertaining. At the heart of the home is an eat-in kitchen, newly outfitted with nice finishes and appliances that cater to the culinary enthusiast. The upper level hosts three generously proportioned bedrooms and one refined full bathroom updated with newly fixtures and tiling. Beyond the primary living quarters, the property offers exceptional versatility: Full Walk-Up Attic: A rare find, providing significant storage or potential for a custom studio or home office. Full Basement: Offering ample space for utilities and seasonal storage. Situated on a manageable 0. 08-acre lot, the exterior features low-maintenance aluminum siding and a profile that respects the neighborhood’s historic aesthetic. Residents enjoy a central location with immediate access to: local institutions, including Warring Magnet Academy (0. 1 miles) and Poughkeepsie Middle/High Schools. Just moments from the vibrant Poughkeepsie Underwear Factory community hub and the scenic Walkway Over the Hudson. Convenient access to the Mid-Hudson Bridge and the Poughkeepsie Metro-North Station for effortless travel throughout the Hudson Valley and to New York City. This home represents a unique opportunity to own a "new" piece of history in one of the most dynamic real estate markets in Dutchess County. Experience the pinnacle of Poughkeepsie living in a home where every detail has been thoughtfully curated for the future.
Features
- Rooms: 6
- Bedrooms: 3
- Baths: 1 full / 1 half
- Laundry: In Basement
- Style: Colonial
- Year Built: 1920
- Heating: Forced Air, Natural Gas
- Cooling: Central Air
- Basement: Full
- Approx Sq. Feet: 1,800
- Acreage: 0.08
- Est. Taxes: $3,708
- Lot Desc: Level
- Elem. School: Morse Young Magnet School
- Middle School: Poughkeepsie Middle School
- High School: Poughkeepsie High School
- School District: Poughkeepsie
- Appliances: Gas Range, Microwave, Refrigerator
- MLS#: 949963
- Days on Market: 35 days
- Website: https://www.raveis.com
/prop/949963/89smithstreet_poughkeepsie_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
89 Smith Street, Poughkeepsie, NY, 12601
$365,000
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $292,000 | $292,000 | $292,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.419% | 5.668% |
| Monthly Tax Payment | $309 | $309 | $309 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,727 | $1,798 | $2,367 |
| Total Monthly Payment | $2,111 | $2,182 | $2,751 |
* 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