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Welcome to 134 Ridge Rd in Valley Cottage, an impeccably maintained 4-bedroom, 2. 5-bath home offering approximately 2, 200 sq ft of living space in the Town of Clarkstown and Nyack School District (school bus stop conveniently located in front of the house!). Thoughtfully updated, recently painted, move-in ready. The main (upper) level offers 3 bedrooms, a beautifully renovated primary bathroom, and an additional hallway bathroom. The kitchen is equipped with new stainless steel appliances, and the dining room flows seamlessly into the inviting living room featuring bay windows. This level also provides access to the large, beautiful deck and features hardwood floors throughout. The lower level includes a spacious family room, a 4th bedroom, and a half bath, perfect for guests, extended living, or a work-from-home setup. The laundry area and mechanical room are also located on this level, with access to the backyard (through the garage). The large attached 2-car garage is heated and offers additional space for convenient storage. Major improvements include a brand new boiler (2026), Central Air Conditioning (2020), and water heater (2020), a whole-house generator, and a young roof (2022). The outdoor living is just as inviting, with a new and expansive deck overlooking a fully fenced backyard featuring attractive landscaping and fruit trees (including apple, cherry, and fig) and a practical shed to store all of your gardening tools and more! The home also includes gutters with leaf guards with a lifetime transferable warranty. Enjoy the beautiful life of Clarkstown with its amazing parks, pools, trails, lakes, community centers and more. Ideally located near Routes 303, I-287, 9W, and the Palisades Parkway for convenient commute to the City and easy access to local shopping, dining and more. This home offers the perfect blend of comfort, convenience, and lifestyle. Come take a look, you will love it!
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Our Executive Mortgage Banker:
$739,000
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 | $591,200 | $591,200 | $591,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.730% |
| Monthly Tax Payment | $1,266 | $1,266 | $1,266 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,541 | $3,688 | $4,827 |
| Total Monthly Payment | $4,899 | $5,046 | $6,185 |
* 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.