95 Smith Avenue, White Plains, NY, 10605 | $899,900

Step into a Cape Cod that actually gets it right, timeless on the outside, effortlessly livable on the inside. Wrapped in a classic brick facade with undeniable curb appeal and a beautifully finished driveway apron, this Highlands gem sets the tone before you even walk in. Inside, the energy is bright, open, and made for real life. A welcoming foyer flows into a sun-drenched living room with an adjoining dining room that feels equal parts elevated and easygoing, from laid-back dinners to full-on hosting mode and opens to a private deck overlooking the backyard, finished with a sleek retractable awning for those hot days when shade makes all the difference. The kitchen keeps things sharp and functional with granite countertops and a smart, efficient layout, plus direct access to the backyard, because convenience matters. The first floor also features two bedrooms and a full bath, offering flexibility whether you need guest space, a home office, or both. Upstairs, you’ll find the primary suite along with an additional bedroom and a hall bath, creating a comfortable and private retreat with a smart, well-balanced layout. Downstairs is where things get fun. The lower level is designed for whatever your lifestyle demands, think mini bar setup, game nights with a pool table, movie marathons, or even a dedicated fitness zone. It’s a true multi-use space, complete with a laundry area and direct access to the garage for everyday ease. Location-wise, it checks every box: just moments to Metro-North, top-tier dining, shopping, parks, schools, and major highways, so you’re always connected without sacrificing that neighborhood feel. Stylish, flexible, and completely move-in ready, this is the home you have been waiting for.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: In Basement
  • Style: Cape Cod
  • Year Built: 1952
  • Garage: 1-car
  • Heating: Hot Air, Natural Gas
  • Cooling: Central Air
  • Basement: Full
  • Approx Sq. Feet: 1,683
  • Acreage: 0.11
  • Est. Taxes: $11,406
  • Lot Desc: Landscaped, Level, Near Public Transit, Near School, Near Shops
  • View: Neighborhood
  • Elem. School: White Plains (Controlled Parents’ Choice)
  • Middle School: White Plains Middle School
  • High School: White Plains Senior High School
  • School District: White Plains
  • Appliances: Dishwasher, Dryer, Oven, Refrigerator, Washer
  • MLS#: 991398
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/991398/95smithavenue_whiteplains_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Howard Hanna Rand Realty   Phone: 914-723-8700

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.

Customer Service

888.699.8876

Contact@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 KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@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

95 Smith Avenue, White Plains, NY, 10605

$899,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $719,920 $719,920 $719,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 6.235% 6.058%
Monthly Tax Payment $951 $951 $951
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,031 $4,374 $6,027
Total Monthly Payment $5,073 $5,416 $7,069

* 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.