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Rare find! Charming and spacious year round cottage in the popular lake community of Smallwood has 1 bedroom and 1 full bath with a 1/2 acre lot across the street to build your dream garage! Open kitchen and dining space flows into the living room and is a great set up for entertaining. Huge bedroom (12x15) with 2 closets is big enough for a king-sized bed and desk/office space. Full bathroom with tub. Sizable enclosed porch (24x8) has extra sleeping space for guests. Lovely screened in porch that could be converted to 2nd bedroom (12x12) with a sun deck off the kitchen overlooks a delightful grassy lawn for relaxing, fire pit, yard games and gardening. This home features a 2 story, single car garage next to the house w/electric for workshop, storage or art studio. Equipped with whole house GENERAC generator-never lose power! Metal roof and vinyl siding on house and garage, 1000 gallon septic tank, 200 amp service, new well pump 2020, floor furnace 2017, vintage kitchen stove, hardwood floors in living room and bedroom and new luxury plank vinyl floor in kitchen. Do you own a landscape business or classic cars? Building a garage on the lot across the street will add so many possibilities. Extra shed is already in place! Perfect to store your equipment and park your RV and trailer if needed. Lots of space! Great vacation destination and/or rental property. Rent the house and keep the garage for your personal use. Smallwood offers Civic Park with pickleball, tennis, basketball, children's playground and events clubhouse. Lake membership includes use of the Civic Park. Beautiful Mountain lake for birdwatching, kayaking, sandy beach w/ lifeguard and fishing. Visit the Forest Reserve, waterfall, hiking trails and dog park. Join the Club at Smallwood for heated pool, clubhouse and daily/nightly activities. Nearby Bethel Woods, festivals, farmers markets, Delaware river, antique shops and waterfront dining. Visit Resorts World Catskill Casino, Kartrite Water Park and an abundance of mountains, lakes and rivers. So much to explore, call to take the tour!
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Our Executive Mortgage Banker:
$204,000
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 | $163,200 | $163,200 | $163,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $211 | $211 | $211 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,005 | $1,030 | $1,355 |
| Total Monthly Payment | $1,291 | $1,316 | $1,641 |
* 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.