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Welcome to 7 Gedney Avenue, a beautifully updated 3/1 ranch in the highly sought-after Smithtown School District, perfectly situated on a meticulously landscaped . 23-acre property and tucked away on a quiet, tree-lined street! Step into a sun-drenched living room featuring recently refinished hardwood floors, recessed lighting, and an abundance of natural light, creating a warm and inviting space to relax or entertain. The kitchen was thoughtfully updated in 2021, complete with elegant cabinetry topped with crown molding, quartz countertops, tile backsplash, under-cabinet lighting, and seamless flow into the dining area. A custom coffee bar and additional cabinetry elevate both function and style! The full bathroom is beautifully finished with detailed tile work and abundant storage, while all three bedrooms offer comfortable living with great natural light. Downstairs, the full basement is complete with an OSE, additional living space, storage space, and utilities. Step outside to your private backyard oasis, an entertainer’s dream! Enjoy summer nights on the expansive 3-tier deck complete with a remote roll-out awning, outdoor speakers, and a yard full of beautiful perennials. The fully fenced yard features PVC fencing, a brick patio with firepit, in-ground sprinklers for easy maintenance, and a storage shed for added convenience. Major updates offer peace of mind, including a Peerless boiler (2020), new cesspool (2023), new roof (2023), ductless unit (2025), updated windows, 100 amp electric panel with subpanel, and a new oil tank. A 1-car garage and a full attic provide additional storage options! All with taxes of just $9906. 68 before STAR! This is the one you’ve been waiting for - stylish, updated, and perfectly located. Just unpack and start enjoying everything this home has to offer!
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Our Executive Mortgage Banker:
$669,000
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 | $535,200 | $535,200 | $535,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | $826 | $826 | $826 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,295 | $3,427 | $4,480 |
| Total Monthly Payment | $4,213 | $4,345 | $5,398 |
* 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.