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This beautifully restored true log home with a separate legal cottage offers a rare opportunity in the highly sought-after Cold Spring Harbor School District with true taxes under 18k. Don’t miss this one of a kind opportunity that is set back off the road on two serene acres in the Lloyd Neck Estates Association with community beach and dock. A welcoming bluestone porch opens to the main residence, where a sun-filled interior provides warmth and character throughout. The open floor plan blends the living and dining areas, boasting a dramatic wall of windows and glass sliders that frame views of the property’s mature trees and flowering gardens, which lead to a spacious deck ideal for relaxing or entertaining. The updated eat in kitchen is equipped with quartz countertops, stainless steel appliances, and a marble backsplash with center island. First level of the main home also includes 3 bedrooms and full bathroom with oversized marble shower with linear drain. The walk-out lower level includes a 4th bedroom with spacious walk-in closet, bonus room, full bathroom with deep soaking tub, and laundry room with storage and utilities. The legal cottage features living room with fireplace, kitchenette, full bathroom, and 5th bedroom with fenced in area. Lush property provides an abundance of privacy, mature trees and usable land. Nature's lovers dream with easy access to Caumsett State Park and Target Rock Wildlife Refuge. Less than 1/2 mile to Lloyd Neck Estates sound side community beach with playground and kayak storage. Only . 7 mile to the Lloyd Neck Estates private dock with kayak storage, boat launch, & private mooring field in Lloyd Harbor. Lloyd Neck Estates Association Dues $1350/annually. In 2019 the logs were fully restored/stained, plus newer septic system & cesspool, plumbing, electric, roof/gutters, driveway, central AC, 22KW Generac generator, furnace, hot water heaters and so much more!
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Our Executive Mortgage Banker:
$1,430,500
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,144,400 | $1,144,400 | $1,144,400 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 6.000% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.069% | 6.110% | 5.932% |
| Monthly Tax Payment | $1,471 | $1,471 | $1,471 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,319 | $6,861 | $9,503 |
| Total Monthly Payment | $7,915 | $8,457 | $11,099 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.