127 Sproat Street, Middletown, NY, 10940 | $509,900

There is a reason a raised ranch continues to stand the test of time… it just lives right. From the moment you step inside this move-in ready 4 bedroom, 3 bathroom home in Middletown, you feel the ease of a layout designed for real life. Head upstairs and you are immediately welcomed into a bright, open living space where natural light pours in and hardwood floors carry warmth throughout. The living room, dining area, and kitchen all flow together effortlessly, creating a space where conversations continue from one room to the next and gatherings never feel crowded. The kitchen is both functional and inviting, complete with stainless steel appliances and positioned perfectly for entertaining. Just off the dining area, sliding doors lead out to your deck, creating that seamless indoor to outdoor connection that makes everyday living feel elevated. The upper level also offers comfortable bedrooms and bathrooms, thoughtfully placed to create both connection and privacy. Downstairs, the home continues to deliver flexibility in a way that fits how people actually live today. With additional bedrooms and a full bathroom, this level is ideal for guests, extended living, a home office setup, or a private retreat. It is the kind of space that adapts as your needs change, without compromise. Step outside and you begin to see the full potential of this property. A spacious yard opens up in front of you, offering room to create, gather, and unwind. Stairs from the deck lead down to an area already designated for entertaining, giving you a head start on building the outdoor setup you have been imagining. Whether you envision hosting, relaxing, or expanding the space even further, the opportunities here feel endless. A two car garage adds everyday convenience, while also providing additional storage and functionality. And then there is the lifestyle that comes with living here. Located in Middletown, you are positioned in one of the Hudson Valley’s most convenient and growing areas. Approximately 70 miles from New York City, this home offers a manageable commute with access to Route 17, I-84, and nearby NJ Transit train service and Coach USA bus routes. When you are not commuting, you are living. Spend weekends exploring local wineries, orchards, and farm markets. Shop and dine at Woodbury Common Premium Outlets. Take in live music at Bethel Woods Center for the Arts, hike scenic trails, or enjoy nearby parks and outdoor spaces. This is more than a home that is ready for you. It is a home that is ready to work with you, grow with you, and give you the space to live the way you have been wanting to.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 3 full
  • Style: Raised Ranch
  • Year Built: 1971
  • Garage: 2-car
  • Heating: Baseboard, Hot Water
  • Cooling: Wall/Window Unit(s)
  • Approx Sq. Feet: 2,052
  • Acreage: 0.32
  • Est. Taxes: $6,420
  • Elem. School: William A Carter School
  • Middle School: Middletown Twin Towers Middle Sch
  • High School: Middletown High School
  • School District: Middletown
  • Appliances: Dishwasher, Microwave, Range, Refrigerator, Stainless Steel Appliance(s)
  • MLS#: 973409
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /prop/973409/127sproatstreet_middletown_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Keller Williams Hudson Valley   Phone: 845-610-6065

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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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

127 Sproat Street, Middletown, NY, 10940

$509,900

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 $407,920 $407,920 $407,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.133% 6.739% 5.952%
Monthly Tax Payment $535 $535 $535
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,348 $2,612 $3,387
Total Monthly Payment $2,975 $3,239 $4,014

* 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.