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Presented by
Mike Molisse |
198 Spillway Road, West Hurley, NY, 12491 | $495,000
Nestled in the heart of the Catskills, this charming Cape Cod home sits on generous land and delivers the perfect blend of classic appeal and modern flexibility: three bedrooms, one and a half baths, beautiful hardwood floors, and a thoughtful layout ideal for comfortable year-round living or effortless weekend escapes.
An accessory dwelling unit apartment on the property provides outstanding versatility whether for income potential, guests, or multigenerational living. With some of the lowest annual taxes in the area and immediate access to the Ashokan Rail Trail for hiking, biking, and daily immersion in nature, plus stunning mountain and reservoir views just moments away, this is true Catskills living at its best.
Enjoy quick access under 10 minutes to vibrant Woodstock, 12 minutes to Kingston, and a short 25-minute drive to Rhinecliff Amtrak for seamless trips to NYC. Properties offering this combination of generous land, built-in income flexibility, reservoir proximity, and authentic Catskills setting rarely come available, making this a standout opportunity for buyers seeking both lifestyle and lasting value in the Hudson Valley.
Features
- Bedrooms: 3
- Baths: 1 full / 1 half
- Laundry: In Basement
- Style: Cape Cod
- Year Built: 1945
- Garage: 2-car Detached
- Heating: Forced Air, Oil, Wood Stove
- Cooling: Ceiling Fan(s), Window Unit(s)
- Basement: Partial, Unfinished, Walk-Out Access
- Acreage: 2.3
- Est. Taxes: $3,770
- Lot Desc: Back Yard, Front Yard, Many Trees, Wooded
- School District: Onteora
- Appliances: Gas Oven, Refrigerator, Washer/Dryer
- MLS#: 20261941
- Days on Market: 19 days
- Website: https://www.raveis.com
/prop/20261941/198spillwayroad_westhurley_ny?source=qrflyer
Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Hudson Valley Catskills Region
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.
Mike MolisseSales Associate
781.331.4339
Mike.Molisse@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.
Scott PetersenVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 32556
339.224.0866
Scott.Petersen@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
Nicole DelaneyInsurance Sales Director, William Raveis Insurance
781.724.3515
Nicole.Delaney@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
198 Spillway Road, West Hurley, NY, 12491
$495,000
Mike Molisse
Sales Associate
William Raveis Real Estate
Phone: 781.331.4339
Mike.Molisse@raveis.com
Scott Petersen
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 339.224.0866
Scott.Petersen@raveis.com
NMLS Mortgage Loan Originator ID 32556
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $396,000 | $396,000 | $396,000 |
| 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 | $314 | $314 | $314 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,280 | $2,536 | $3,288 |
| Total Monthly Payment | $2,669 | $2,925 | $3,677 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535