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Welcome to this beautifully maintained Colonial-style home, ideally located on a quiet cul-de-sac block in Smithtown, offering a desirable blend of privacy and accessibility and just moments from Robert A. Brady Park, Miller's Pond, and Blydenburgh County Park. This spacious residence features 4 bedrooms, 4 full bathrooms, a 2-car garage, and a fully finished basement with a separate outside entrance, providing exceptional flexibility and potential for a variety of living arrangements, recreation space, or extended use options with proper permits. The main level offers a well-designed layout including a formal living room with bay windows and dining room accented with elegant chair rail detailing, along with a comfortable den featuring a wood-burning fireplace and direct access to the garage. Hardwood flooring extends throughout much of the home, adding warmth and timeless appeal. The kitchen was thoughtfully updated approximately six years ago and features quartz countertops, stainless steel appliances, and tile backsplash. A standout extension enhances the space with a vaulted ceiling, two skylights, a bay windows, and expansive windows that fill the area with natural light, along with direct access to the backyard. This bright and airy setting is ideal for both everyday living and entertaining, with seamless flow to a Trex deck overlooking the yard. Upstairs, all four bedrooms are generously sized, including a primary suite with its own en-suite bathroom, offering a comfortable and private retreat. The backyard is designed for enjoyment, featuring a beautiful in-ground pool with built-in lighting, surrounded by a paver pool deck. The pool is equipped with a durable 28-gauge, 20-year liner that is approximately three years old, adding long-term value and peace of mind. Additional highlights include a covered front porch, a new blacktop driveway with paver border, and a generator hookup for added convenience. Blending thoughtful updates, generous living space, and a prime location near local parks and outdoor amenities, this home presents an exceptional opportunity to enjoy both comfort and lifestyle in Smithtown.
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Our Executive Mortgage Banker:
$850,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $680,000 | $680,000 | $680,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.165% | 6.361% | 6.183% |
| Monthly Tax Payment | $1,341 | $1,341 | $1,341 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,861 | $4,187 | $5,738 |
| Total Monthly Payment | $5,294 | $5,620 | $7,171 |
* 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.