Welcome to the highly sought-after Willow Ridge community in North Smithtown, where lifestyle, convenience, and opportunity come together. This "Canterbury" model offers a rare chance to create your dream home within one of the area’s most desirable townhome communities. Currently configured as a spacious 2-bedroom, 2-bath unit, this residence presents incredible potential to be converted into a 3-bedroom layout, making it an ideal investment for both end-users and savvy buyers looking to add value. Do you have vision? Want to truly make this your own? This Canterbury provides a blank canvas, an opportunity to fully customize and design every detail to your taste. Whether you envision a modern, open-concept living space or a warm, traditional retreat, the possibilities here are endless. With the right vision, this unit can be transformed into a truly stunning residence. What truly sets this property apart is its location "a coveted end unit within Willow Ridge". Willow Ridge a beautifully maintained and amenity-rich community offering: Gated entry with security for peace of mind Clubhouse featuring a gym and game room. Outdoor pool for summer relaxation Tennis and pickleball courts. Basketball court, Dog run for your four-legged companions. Perfectly situated near local shops, restaurants, and major conveniences including proximity to St. Catherine’s Hospital, this location offers both tranquility and accessibility. This is more than just a home, it's an opportunity. An opportunity to design, to customize, and to create a space that reflects your vision, all within a community that already delivers the lifestyle. Don’t miss your chance to unlock the full potential of this Canterbury model in Willow Ridge. Opportunity is certainty not a lengthy visitor!
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$699,999
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $559,999 | $559,999 | $559,999 |
| 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 | $1,159 | $1,159 | $1,159 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,313 | $3,448 | $4,573 |
| Total Monthly Payment | $4,563 | $4,698 | $5,823 |
* 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.