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Presented by
Rob Young |
21 Virginia Pine Lane, #21, Bay Shore, NY, 11706 | $619,990
There comes a point where home should feel less like work and more like reward. Welcome to Mystic Pines, a beautifully maintained 55+ community designed for easy, enjoyable living. This residence offers the perfect balance of sophistication and simplicity, featuring soaring 12’ and 9’ ceilings that create a bright, open, and inviting atmosphere. A private elevator services every level, enhancing both convenience and long term livability. The main living area is ideal for both everyday comfort and entertaining, with a well appointed kitchen that flows seamlessly into the great room. Step outside to a generously sized deck complete with a motorized retractable awning, perfect for relaxing or hosting in any weather. Upstairs, the primary suite offers comfort and privacy with ample closet space and a well designed bathroom. A second en-suite bedroom features an updated bathroom and spacious walk-in closet, ideal for guests or extended stays. A second floor laundry area adds everyday practicality. The finished basement with egress window and half bath provides flexible space for a den, recreation room, home office, or more. Additional highlights include a one-car garage with storage loft. Mystic Pines offers a vibrant, pet-friendly lifestyle with beautifully landscaped grounds, clubhouse, fitness center, and pool. Conveniently located near shopping, dining, beaches and major roadways. True 2026 taxes $11, 478. Eligible buyers may benefit from enhanced 55+ reduction $2, 540 and basic STAR $918.
Features
- Parking: Attached, Driveway, Garage
- Heating: Forced Air, Natural Gas
- Cooling: Central Air
- Rooms: 6
- Bedrooms: 2
- Baths: 2 full / 2 half
- Laundry: Laundry Room
- Complex: Mystic Pines
- Year Built: 2005
- Common Charge: $446 Monthly
- Approx Sq. Feet: 1,494
- Acreage: 0.02
- Est. Taxes: $11,478
- Adult Communities: Yes
- Elem. School: Gardiner Manor School
- Middle School: Bay Shore Middle School
- High School: Bay Shore Senior High School
- School District: Bay Shore
- Pets Allowed: Yes
- Appliances: Dishwasher, Gas Range, Microwave, Refrigerator, Stainless Steel Appliance(s)
- MLS#: 989217
- Days on Market: 9 days
- Website: https://www.raveis.com
/prop/989217/21virginiapinelane_bayshore_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.
Rob YoungBroker Associate
516.426.8529
Rob.Young@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 MerolaVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 1020051
508.740.5922
Frank.Merola@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
Allen GellermanInsurance Sales Director, William Raveis Insurance
617.686.2668
Allen.Gellerman@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
21 Virginia Pine Lane, #21, Bay Shore, NY, 11706
$619,990
Rob Young
Broker Associate
William Raveis Real Estate
Phone: 516.426.8529
Rob.Young@raveis.com
Frank Merola
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 508.740.5922
Frank.Merola@raveis.com
NMLS Mortgage Loan Originator ID 1020051
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $495,992 | $495,992 | $495,992 |
| 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 | $957 | $957 | $957 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,855 | $3,176 | $4,119 |
| Total Monthly Payment | $3,903 | $4,224 | $5,167 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535