97 Ridge Road, Valley Cottage, NY, 10989 | $524,000

Welcome to this beautifully renovated ranch set on nearly half an acre in desirable Valley Cottage, within the Clarkstown community. Positioned for added privacy with a generous setback from the road, this home also offers scenic surroundings, including mountain views from the dining area and backyard. The home features 3 bedrooms and 2 full baths, highlighted by a spacious primary suite with vaulted ceilings and generous closet space. The inviting living area is anchored by a large wood-burning stove, creating a warm and comfortable atmosphere. The eat-in kitchen is thoughtfully designed with quartzite countertops, stainless steel appliances, a pantry, and sliding glass doors that open to a deck—perfect for indoor-outdoor living. Additional features include ceiling fans and recessed lighting throughout, enhancing both comfort and style. Sky lights in the primary bedroom and dining room bring in additional natural light. The finished lower level adds approximately 474 square feet of versatile living space, offering a bedroom, living area, full bathroom, laundry, and walkout access to the patio. A heated storage room, accessible from outside beneath the deck, provides even more functional space. Conveniently located near the Thruway, shopping, and dining, this home combines accessibility with a peaceful setting. A second refrigerator and generator are also included, offering added value and convenience. A wonderful opportunity to enjoy modern updates, flexible living space, and a tranquil location—all in one.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Ranch
  • Year Built: 1936
  • Heating: Baseboard
  • Cooling: Wall/Window Unit(s)
  • Basement: Finished, Full, Walk-Out Access
  • Approx Sq. Feet: 1,116
  • Acreage: 0.46
  • Est. Taxes: $13,807
  • Elem. School: Valley Cottage
  • Middle School: Nyack Middle School
  • High School: Nyack Senior High School
  • School District: Nyack
  • Appliances: Dishwasher, Oven, Refrigerator, Stainless Steel Appliance(s), Washer
  • MLS#: 974170
  • Days on Market: 18 days
  • Website: https://www.raveis.com
    /prop/974170/97ridgeroad_valleycottage_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Howard Hanna Rand Realty   Phone: 845-634-4202

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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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

97 Ridge Road, Valley Cottage, NY, 10989

$524,000

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 $419,200 $419,200 $419,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.324% 6.398% 5.614%
Monthly Tax Payment $1,151 $1,151 $1,151
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,480 $2,581 $3,397
Total Monthly Payment $3,723 $3,824 $4,640

* 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.