|
12 Harbour Lane, #4A, Oyster Bay, NY, 11771 | $369,000
Move right into this rarely available first-floor 1-bedroom co-op in the highly sought-after Top of the Harbour waterfront community. This bright and beautifully maintained home features an updated kitchen with modern appliances, renovated bathroom with walk-in shower, carpeted bedroom, and attractive flooring throughout. Enjoy your own private patio with seasonal water views—perfect for morning coffee or evening relaxation. Ample closet space, updated electric, garage storage, and parking directly in front of the unit add to the convenience. Maintenance includes taxes, heat, water, exterior maintenance, parking, snow removal, and garbage collection, making this an exceptional value. Located just moments from the beach, restaurants, shops, parks, and transportation. First-floor units with water views and private outdoor space in this community are rarely available and highly desirable. Don’t miss this opportunity—schedule your private showing today before it’s gone.
Features
- Parking: Parking Lot
- Heating: Baseboard, Other
- Cooling: Wall/Window Unit(s)
- Levels: 2
- Rooms: 4
- Bedrooms: 1
- Baths: 1 full
- Year Built: 1997
- Approx Sq. Feet: 850
- Elem. School: Theodore Roosevelt School
- Middle School: Oyster Bay High School
- High School: Oyster Bay High School
- School District: Oyster Bay-East Norwich
- Pet Policy: Cats OK
- Appliances: Stainless Steel Appliance(s)
- MLS#: 963700
- Days on Market: 45 days
- Website: https://www.raveis.com
/prop/963700/12harbourlane_oysterbay_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
12 Harbour Lane, #4A, Oyster Bay, NY, 11771
$369,000
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 | $295,200 | $295,200 | $295,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.133% | 6.739% | 5.952% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,699 | $1,890 | $2,451 |
| Total Monthly Payment | $1,774 | $1,965 | $2,526 |
* 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