Welcome to 18 Shelter Drive, a beautifully maintained 3-bedroom, 3-bath home offering space, comfort, and versatility in the highly regarded Miller Place School District. Where else can you live less than a mile from the beach with taxes under $10K? Upon entry, you’re welcomed by a spacious foyer that opens into a large, sunlit living room featuring custom built-in cabinetry and a wood-burning fireplace—creating a warm and inviting focal point. Toward the rear of the home, a generously sized kitchen offers an abundance of cabinetry, walk-in pantry, and seamless access to the laundry room and a full bath—ideal for both everyday living and entertaining. Upstairs, the oversized primary bedroom provides a true retreat, complemented by a nicely renovated full bath, two additional well-proportioned bedrooms, and pull down stairs for the large attic for extra storage. The home also features a full finished basement with both interior and exterior access, offering incredible flexibility—perfect for recreation, extended living space, or potential for a future mother-daughter setup with proper permits. Step outside to a fully fenced backyard, offering privacy and room to relax, entertain, or play, all set against the backdrop of a beautiful, mature flowering magnolia tree. Thoughtful updates include a 1-year-old oil tank and a 4-year-old central air system, providing peace of mind for years to come. Ideally located just minutes from local beaches, parks, shopping, and dining, this home delivers the best of North Shore living with both convenience and value.
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Our Executive Mortgage Banker:
$575,000
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $460,000 | $460,000 | $460,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.398% | 5.614% |
| Monthly Tax Payment | $763 | $763 | $763 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,721 | $2,832 | $3,728 |
| Total Monthly Payment | $3,575 | $3,686 | $4,582 |
* 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.