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A rare layout designed with intention! This 3-bedroom, 2-full-bath Cape offers privacy, flow, and spaces that truly make sense for everyday life. From the moment you step inside, the bright, open living and dining area welcomes you with hardwood floors and recessed lighting, creating a warm, comfortable place to relax or gather with friends and family. The updated kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, and generous cabinetry, all opening seamlessly into the main living space so you’re never cut off from the action. Two first-floor bedrooms and a full bath offer flexibility for guests, work-from-home needs, or multigenerational living. Upstairs, the entire second floor is devoted to a private primary suite. Imagine your own quiet escape including a huge walk-in closet and a beautifully updated spa-like bath featuring a walk-in tiled shower, this space feels separate, serene, and truly special. Step outside to a fully fenced yard made for enjoying Long Island summers, complete with a saltwater above-ground pool. This space is perfect for entertaining, relaxing, or unwinding after a long day. Living in Shirley means easy access to Smith Point Beach, Wertheim National Wildlife Refuge, local shopping and dining, and the LIRR, all while enjoying a strong community feel and more attainable homeownership than many surrounding areas. This is a home designed for real life. Comfortable, inviting, and ready for its next chapter.
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.
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Our Executive Mortgage Banker:
Our Insurance Division:
$424,498
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 | $339,598 | $339,598 | $339,598 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.209% | 6.168% | 5.609% |
| Monthly Tax Payment | $696 | $696 | $696 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,928 | $2,034 | $2,752 |
| Total Monthly Payment | $2,699 | $2,805 | $3,523 |
* 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.