148 Lake Road, Valley Cottage, NY, 10989 | $685,500

This well maintained and thoughtfully enhanced and expanded Colonial, originally built in 1973 and updated throughout the years, is set on a small crescent of just four homes, just moments from Rockland Lake State Park, offering a rare combination of privacy, convenience, and natural surroundings. Offering a total of four bedrooms, 2 and 1/2 baths, and a one car attached garage, the home features generous room sizes and a comfortable, flowing layout, including a welcoming living room with a woodburning brick fireplace, a formal dining room ideally situated between the living room and the open family room and eat-in kitchen, and a well-appointed kitchen with abundant cabinetry that flows seamlessly into a sun-filled family room with sliding doors to the deck, complemented by French doors that add both charm and connectivity between spaces. The second floor includes a large primary suite with a well-appointed bath and an oversized walk-in closet, along with additional bedrooms that are nicely proportioned. Oak floors run throughout the home, and the overall condition reflects years of careful upkeep. Outdoor living is equally inviting, with an expansive deck overlooking the backyard and a peaceful, lightly wooded backdrop, with the property backing to state land, enhancing the sense of privacy and retreat. Rockland Lake State Park affords a wide range of recreational opportunities including biking, kayaking, jogging, fishing, two golf courses, a public pool, and expansive picnic and BBQ areas, all just moments from your doorstep. Located in Valley Cottage with access to town facilities and pools, and just a 5 minute drive to the vibrant village of Nyack.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: In Hall
  • Style: Colonial
  • Year Built: 1973
  • Garage: 1-car
  • Heating: Baseboard
  • Cooling: Central Air
  • Approx Sq. Feet: 2,052
  • Acreage: 0.15
  • Est. Taxes: $14,464
  • Lot Desc: Back Yard, Borders State Land, Garden, Irregular Lot
  • Elem. School: Lakewood Elementary School
  • Middle School: Felix Festa Determination Middle Sch
  • High School: Clarkstown North Senior High School
  • School District: Clarkstown
  • Appliances: Dishwasher, Dryer, Gas Range, Refrigerator, Stainless Steel Appliance(s), Gas Water Heater
  • MLS#: 986394
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /prop/986394/148lakeroad_valleycottage_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 Wright Bros Real Estate Inc.   Phone: 845-358-3050

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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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

148 Lake Road, Valley Cottage, NY, 10989

$685,500

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 $548,400 $548,400 $548,400
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 $1,205 $1,205 $1,205
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,157 $3,511 $4,554
Total Monthly Payment $4,454 $4,808 $5,851

* 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.