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Tucked away on a quiet lane in Yorktown Heights, this thoughtfully updated cottage offers a simpler, more intentional way of living. With 2 bedrooms and 1 bath across 643 square feet, the home feels warm and inviting from the moment you step inside. The open kitchen and living area create an easy flow, centered around a striking stone, wood-burning fireplace that brings both character and comfort to the space. Over time, the current owner has carefully transformed this home, investing more than $80, 000 in meaningful upgrades that you can feel. The kitchen has been reimagined with new cabinetry, marble countertops, and updated appliances, while new flooring adds a fresh, cohesive feel throughout much of the home. Behind the scenes, major improvements like a new roof, HVAC system, hot water heater, and reinforced foundation offer peace of mind, along with a renovated bathroom, and updated electrical, The septic system was replaced in 2021. Outside, the property creates a setting that feels both manageable and connected to its surroundings—ideal for those looking to live with less, but enjoy more. Whether you're just starting out, searching for a low-maintenance alternative to renting, or commuting into NYC and craving a quiet place to come home to, this property offers a rare entry point into the Yorktown Heights market. For investors, there’s an added advantage: reliable tenants already in place through the end of this year who would love to stay, providing immediate income potential. This is the kind of home that proves you don’t need a lot of space to live well.
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Our Executive Mortgage Banker:
Our Insurance Division:
$349,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.494.1459
Vincent.DiMella@raveis.com
NMLS Mortgage Loan Originator ID 24240
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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 | $279,200 | $279,200 | $279,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.431% | 5.873% |
| Monthly Tax Payment | $530 | $530 | $530 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,652 | $1,719 | $2,280 |
| Total Monthly Payment | $2,257 | $2,324 | $2,885 |
* 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.