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Welcome to 1084 Joselson Ave, a charming single-family ranch in the heart of Bay Shore offering space, flexibility, and incredible potential. Set on an expansive 0. 92-acre lot, this property is a rare find—perfect for those looking to create their dream home or invest in a property with long-term upside. Originally a legal 3-bedroom home, it has been thoughtfully converted into a spacious 2-bedroom layout, featuring an oversized second bedroom that offers versatility and can easily be converted back to a third bedroom if desired. The property also includes a detached garage with endless possibilities—ideal for storage, a workshop, or future customization. The massive yard provides ample room for entertaining, expansion, or creating your own private outdoor oasis. Perfectly positioned directly across from an elementary school, this home offers everyday convenience in a desirable location, close to shopping, dining, major roadways, and transportation. An incredible opportunity for investors, builders, or buyers with vision — the oversized lot offers excellent potential to expand the existing living space, renovate, or redesign to maximize value while still enjoying the charm of this cozy ranch-style home. Whether you’re a first-time homebuyer, downsizing, or searching for a property with strong potential to renovate and add value, this is an opportunity you don’t want to miss.
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Our family of companies offer our clients a new level of full-service real estate. We shall:
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Our Executive Mortgage Banker:
$551,000
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 | $440,800 | $440,800 | $440,800 |
| 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 | $652 | $652 | $652 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,537 | $2,822 | $3,660 |
| Total Monthly Payment | $3,281 | $3,566 | $4,404 |
* 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.