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Recently completed and fully remodeled in 2026 with a certificate of occupancy in hand, this stunning four-bedroom, two-bath home with full unfinished walk out basement, offers the perfect blend of modern finishes, thoughtful design, and room to grow. Situated on two lots totaling over an acre in the desirable Willow Creek community—with low HOA fees of just $100—this property provides both space and convenience, centrally located to Seneca, Walhalla, and Hwy 11. A concrete driveway leads to a spacious parking area and an oversized two-car garage, while the welcoming front porch with stamped concrete floors sets the tone for the quality found throughout. Inside, the great room impresses with vaulted ceilings, a centerpiece gas fireplace flanked by custom built-in cabinetry with granite tops, and a wall of windows that opens onto an expansive covered and open back deck—perfect for enjoying views of the surrounding neighborhood and countryside. The kitchen is designed for both everyday living and entertaining, featuring a massive center island, granite countertops, tile backsplash, gas range, island-mounted microwave, dishwasher, and a large walk-in pantry. The main-level master suite is a true retreat, complete with vaulted ceilings, private access to the back deck, and a luxurious en-suite bath offering a garden tub beneath a picture window, custom walk-in tile shower, dual vanities, and a spacious walk-in closet. On the opposite side of the home, three additional generously sized bedrooms share a well-appointed full bath with a tub/shower combination. A laundry room and direct garage access add to the home’s functional layout. The full walkout basement presents incredible potential, offering over 2, 100 square feet of unfinished space with tall ceilings, a floor truss system for maximum flexibility, and plumbing already in place for a third full bathroom—ideal for creating additional bedrooms, a bonus room, or extended living space. With custom features throughout, a platinum home warranty included, and ample space both inside and out, this move-in-ready home is a rare opportunity for buyers seeking quality, versatility, and a prime location. This is truly a must-see property.
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Our Executive Mortgage Banker:
$549,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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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 | $439,920 | $439,920 | $439,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,709 | $2,817 | $3,683 |
| Total Monthly Payment | $2,801 | $2,909 | $3,775 |
* 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.