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2 Wagon Ln is a single family home offering 2 bedrooms, 1 bathroom, approximately 1, 088 square feet, and a lot of about 22, 651 square feet, giving buyers a stronger combination of house and land than many smaller homes in the area. Built in 1945, the property offers the kind of setup that appeals to buyers looking for a Brewster NY home with usable outdoor space, a practical footprint, and room to improve over time instead of paying a premium for someone else’s finishes. Hardwood flooring is already in place, and the home has a straightforward layout that can work well for everyday living, a downsizing move, a second home, or a buyer looking for a value add opportunity in Putnam County. In addition to the main living area, the home also includes finished attic and finished basement space that expands the way the property can function, whether for storage, hobbies, workspace, overflow living, or other flexible use depending on a buyer’s needs. The basement area also includes a washer and dryer area, and the property is improved with two sheds that add even more exterior utility for tools, equipment, or general storage. The kitchen was updated around 10 years ago, the roof is approximately 12 years old with no known roof issues reported, and the home is served by septic and well. Oil heat system is present, and hot water type was not confirmed from the available records or photos. The main improvement path appears to center on bathroom work, interior cosmetic updates, and general modernization, making this a strong fit for a buyer who wants a home with a solid starting point and the ability to update at their own pace. There is no central air, so buyers should plan around their preferred cooling solution. The lot size is another part of the appeal here, especially for buyers searching for a Brewster property with more breathing room, outdoor flexibility, and a setting that offers more than just the house itself. For buyers searching online for a Brewster NY home with land, a Putnam County fixer upper, a single family home with hardwood floors, a house with finished attic and basement, or a property with septic and well in the Brewster or Carmel area, this listing checks several of the features that continue to draw interest. No HOA. Rental restrictions reported as no. SOME PHOTOS HAVE BEEN VIRTUALLY EDITED.
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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 | $271,920 | $271,920 | $271,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.250% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.403% | 6.431% | 5.668% |
| Monthly Tax Payment | $698 | $698 | $698 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,629 | $1,674 | $2,204 |
| Total Monthly Payment | $2,402 | $2,447 | $2,977 |
* 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.