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You come home by way of the long, curving drive, the house appearing through the trees. Three bedrooms, one and a half baths, and 1, 816 square feet of colonial on just over half an acre in Washingtonville. The numbers are useful, but this place asks you to walk through it. Inside, life tends to gather where it naturally should. Mornings begin in the kitchen, granite counters, stainless appliances, and a large window over the sink that lets the light in before anyone is fully awake. Breakfast drifts into the dining area, then into the rest of the day, with the house opening easily from one space to the next. Someone is always near the brick fireplace when the weather cools, stretched out in the living room with its exposed beam detail, a game on, dinner going, conversation moving between the living room and family room without anyone feeling cut off from it. Two full living spaces give everyone room to spread out or disappear for a while. Main-level laundry means one less trip up the stairs. Hardwood floors run through the main living areas and into the bedrooms. The backyard becomes its own second setting, fenced and open enough to actually use, the kind of space that invites dogs, chairs dragged into the grass, and dinners that start on the elevated rear deck and linger longer than planned. In summer, the deck does a lot of the living. Doors open, dinner moves outside, and the evenings stretch under the trees. Fall is even better, the yard framed by mature landscaping and the house warm when you come back in. Winter pulls everyone toward the fire, and the rooms seem made for it. Then spring arrives and everything opens again, the lawn waking up, the whole property reminding you what half an acre actually gives you. When you want to leave the quiet for a while, Washingtonville is right there. The village has been here since 1809, named for Washington himself, and Brotherhood Winery, founded in 1839, is just down the road. Route 94 and 208 are close by, I-87 is a few minutes east, and the Metro-North station at Salisbury Mills is about seven minutes away. But this is the kind of home that makes heading back the best part of the day.
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Our Executive Mortgage Banker:
Our Insurance Division:
$490,000
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 | $392,000 | $392,000 | $392,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.301% | 6.500% | 5.691% |
| Monthly Tax Payment | $949 | $949 | $949 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,319 | $2,446 | $3,201 |
| Total Monthly Payment | $3,342 | $3,469 | $4,224 |
* 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.