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Welcome to 144 Cream Street, a charming Cape Cod-style home nestled in the heart of the Hudson Valley. Built in 1951, this inviting single-family residence offers approximately 1, 200 square feet of comfortable living space with 3 bedrooms and 1 full bath, all set on a generous 0. 60-acre lot. From the moment you arrive, the home’s warmth and character are evident. Recent improvements, including a newly replaced side porch, enhance both curb appeal and everyday enjoyment—creating the perfect spot for morning coffee or relaxing evenings. Inside, the home features a practical layout with classic charm, an attached garage, and the timeless appeal of a well-built mid-century design. This property is especially well-suited for first-time homebuyers or those looking to make the move into the Hudson Valley lifestyle. The manageable size, expansive yard, and approachable layout provide an excellent opportunity to personalize and grow into the home over time. Ideally located in the Town of Poughkeepsie, the home offers convenient access to a wide array of local amenities. Just minutes away, the Metro-North Railroad Hudson Line at the Poughkeepsie Station provides a direct and scenic commute to New York City, making it an excellent option for commuters or weekend travelers. Residents can also enjoy nearby Hudson Valley attractions such as the Walkway Over the Hudson, one of the longest pedestrian bridges in the world, along with rail trails, parks, waterfront dining, wineries, and farm-to-table restaurants that define the region’s lifestyle. With its combination of location, charm, and recent updates, 144 Cream Street presents a wonderful opportunity to own a home in one of the Hudson Valley’s most desirable and accessible areas—perfect for those starting their homeownership journey or seeking a peaceful retreat within reach of the city.
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Our Executive Mortgage Banker:
$385,000
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 | $308,000 | $308,000 | $308,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.730% |
| Monthly Tax Payment | $516 | $516 | $516 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,845 | $1,922 | $2,515 |
| Total Monthly Payment | $2,436 | $2,513 | $3,106 |
* 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.