22 Hill Road, Smithtown (Saint James), NY, 11780 | $499,900
Charming, warm and truly one of a kind, this very special storybook cottage is rich in character and classic, timeless details with a top, top location in North Saint James & nestled on the cusp of sought after Head Of The Harbor, close to the Saint James General Store, Route 25A Shopping, Schools, Stony Brook Village & just a short drive to Port Jefferson Village! Perfect as a year round home (with room for expansion) or a wonderful charming second home/summer getaway. . . The home offers two well sized bedrooms, immaculate full bathroom, a large great room (living room & dining room) with a striking stone fireplace taking center stage, beautifully framed by two stunning trapezoid shaped stained-glass windows that flood the space with warmth. Custom cabinetry & original details throughout including a hand carved front door, built in corner cabinet in the dining room (crafted by the homeowner), a cabinet lined kitchen, garage & large basement with ample storage, and meticulously manicured property wrapped in perennial gardens, stone walls, flowering bushes, perennials & trees. A rare and unique opportunity for those seeking craftsmanship, charm and an exceptional setting.
Features
- Town: Smithtown
- Rooms: 5
- Bedrooms: 2
- Baths: 1 full
- Style: Cottage, Ranch
- Year Built: 1920
- Garage: 1-car
- Heating: Baseboard, Oil
- Cooling: None
- Basement: Full, Storage Space, Unfinished
- Approx Sq. Feet: 1,000
- Acreage: 0.14
- Est. Taxes: $5,808
- Lot Desc: Corner Lot, Garden, Landscaped, Part Wooded, Stone/Brick Wall
- Elem. School: St James Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Oven, Refrigerator, Washer
- MLS#: 957742
- Days on Market: 27 days
- Website: https://www.raveis.com
/prop/957742/22hillroad_smithtown_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
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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
22 Hill Road, Smithtown (Saint James), NY, 11780
$499,900
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 | $399,920 | $399,920 | $399,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.345% | 6.533% | 5.783% |
| Monthly Tax Payment | $484 | $484 | $484 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,366 | $2,495 | $3,266 |
| Total Monthly Payment | $2,925 | $3,054 | $3,825 |
* 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