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12 Montrose Drive, Carmel, NY, 10512 | $429,000
Opportunity awaits! With this home, and summer nearby, enjoy lake rights to the 5 opened beaches of Lake Carmel and easy commutes to the highway, train, schools, library, police station, shopping and more. Recently renovated, you'll find inside that each room has a dedicated split unit, providing both AC & heat for individual comfort, new floors and fresh paint. The main floor is an open living space and upstairs has two bedrooms. Both floors currently have their own kitchen and full bathroom as well. One kitchen does not meet town approval and needs either permitting or to be removed. The seller is willing to work with a buyer as to the option that best suits their needs. The 1000 gal. septic tank can accomodate a third bedroom if you wanted to also legally change the kitchen into a 3rd bedroom upstairs with proper town & BOH approvals. Both levels have access to outside. With a full size attic, storage space is also not an issue. The space is flexible and the layout can be personalized. Outside you'll find a level front yard and backyard patio for entertaining or relaxing outdoors. Upgrades of big ticket items include newer split units (2022), updated septic tank and pits (2006), newer well pump (2022), newer hot water heater (2022) which means peace of mind after purchase!! Schedule a showing today!
Features
- Rooms: 4
- Bedrooms: 2
- Baths: 2 full
- Style: Other
- Year Built: 1960
- Heating: Electric, Other, See Remarks
- Cooling: Ductless
- Approx Sq. Feet: 1,589
- Acreage: 0.15
- Est. Taxes: $13,555
- Lot Desc: Front Yard
- Elem. School: Matthew Paterson Elementary School
- Middle School: George Fischer Middle School
- High School: Carmel High School
- School District: Carmel
- Appliances: Electric Range, Microwave, Refrigerator
- MLS#: 992960
- Days on Market: 7 days
- Website: https://www.raveis.com
/prop/992960/12montrosedrive_carmel_ny?source=qrflyer
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
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- 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
12 Montrose Drive, Carmel, NY, 10512
$429,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $343,200 | $343,200 | $343,200 |
| 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 | $1,130 | $1,130 | $1,130 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,055 | $2,141 | $2,802 |
| Total Monthly Payment | $3,260 | $3,346 | $4,007 |
* 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