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Move-In Ready | Commuter-Friendly | Motivated Seller. Welcome to 34 Smith Street—a beautifully maintained single-family home in Poughkeepsie, NY, offering the perfect blend of space, location, and value for today’s pre-approved Buyers seeking an affordable Hudson Valley home with easy access to NYC. This expansive 3-bedroom, 2-bath home with over 2, 200 sq ft of above-grade living space also includes two large bonus areas in a full walk-up attic, providing exceptional flexibility for a home office, guest rooms, additional bedrooms, or a private owner’s suite. Whether you’re upsizing, relocating, or purchasing your first home, this property offers the space and versatility buyers are actively searching for in today’s market. Step inside to a classic, functional layout featuring a formal living room, oversized dining room, and a full bath on the main level—ideal for entertaining. The bright kitchen is equipped with stainless steel appliances, gas cooking, dishwasher, and main-level laundry, combining convenience with everyday practicality. Hardwood and waterproof vinyl flooring throughout add both warmth and durability. Upstairs, you’ll find three generously sized bedrooms, a full bath, ample closet space, and a large landing area—perfect as a reading nook, workspace, or additional lounge. The third-floor attic offers incredible expansion potential, already configured with two rooms—ideal for buyers looking to customize and add value. The easy access basement is large and allows for tons of additional storage and your creativity. Enjoy a spacious backyard perfect for entertaining, gardening, or relaxing, with access from both the kitchen and side entrance. The front yard offers low-maintenance landscaping with strong curb appeal. Added Bonus: Seller is offering a credit toward creating off-street parking, a valuable upgrade for future equity and convenience. Other major Upgrades & Value-Adding Features include a Brand NEW roof with Yankee gutters (transferable warranties) 200-amp electrical service, well-maintained mechanicals and structure. Perfectly positioned and priced for Buyers who are ready to take action, this property is: 5 minutes to Metro-North train station; near major commuter routes; close to shops, restaurants, schools, hospitals, and parks. Walking distance to the iconic Walkway Over the Hudson. This is an excellent opportunity to secure space, value, and long-term upside. Schedule your private tour today and see the value for yourself.
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Our Executive Mortgage Banker:
Our Insurance Division:
$324,000
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 | $259,200 | $259,200 | $259,200 |
| 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 | 6.313% | 6.398% | 5.710% |
| Monthly Tax Payment | $496 | $496 | $496 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,533 | $1,596 | $2,117 |
| Total Monthly Payment | $2,104 | $2,167 | $2,688 |
* 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.