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287 6th Avenue, Smithtown (Saint James), NY, 11780 | $675,000
Welcome to 287 Sixth Avenue — a beautifully maintained ranch in the heart of St. James, offering the perfect blend of comfort, convenience, and untapped potential! This 3-bedroom, 1. 5-bath home sits on a generous quarter-acre lot and features classic hardwood floors throughout as well as a 200-amp electrical system and central air. The layout offers effortless single-level living, making it an ideal option for first-time buyers, downsizers, or anyone seeking simplicity without compromise. A large garage adds both convenience and storage, and the yard has room to entertain. The home’s full, unfinished basement provides approximately 800 square feet of additional space — a blank canvas ready to be transformed into a home gym, media room, office, or extended living area tailored to your lifestyle. Located within the highly regarded Smithtown School District, this home also delivers exceptional proximity to everything you need. Just minutes away, you’ll find the vibrant shops and restaurants along Lake Ave, as well as major retail destinations like Smith Haven Mall, Whole Foods, and Trader Joe’s, and much more, making everyday errands and weekend outings limitless. For commuters, the nearby St. James train station offers convenient access to New York City. And for those who value coastal living, you’re just a short 10-minute drive to some of Long Island’s beautiful North Shore beaches. Whether you’re looking to move right in or create your dream space over time, this is an excellent opportunity to own a home in one of Long Island’s most desirable communities.
Features
- Town: Smithtown
- Rooms: 8
- Bedrooms: 3
- Baths: 1 full / 1 half
- Style: Ranch
- Year Built: 1968
- Garage: 1-car
- Heating: Oil
- Cooling: Central Air
- Basement: Full, Unfinished
- Approx Sq. Feet: 1,100
- Acreage: 0.25
- Est. Taxes: $12,626
- Elem. School: St James Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Dishwasher, Dryer, Electric Cooktop, Electric Oven, Refrigerator, Stainless Steel Appliance(s), Washer
- MLS#: 984041
- Days on Market: 5 days
- Website: https://www.raveis.com
/prop/984041/2876thavenue_smithtown_ny?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
Ryan FortierInsurance Sales Director, William Raveis Insurance
516.739.7731
Ryan.Fortier@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
287 6th Avenue, Smithtown (Saint James), NY, 11780
$675,000
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 | $540,000 | $540,000 | $540,000 |
| 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 | $1,052 | $1,052 | $1,052 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,234 | $3,325 | $4,377 |
| Total Monthly Payment | $4,378 | $4,469 | $5,521 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535