27 Spruce Street, Islip, NY, 11751 | $599,990

Charming Cape Cod with Thoughtful Updates Throughout. Welcome home to this beautifully maintained Cape Cod, where classic charm meets modern comfort. From the moment you step inside, you'll notice the care and attention to detail that has gone into every update - making this home truly move-in ready. The heart of the home is the updated eat-in kitchen, featuring gleaming new stainless steel appliances, a professional-grade Viking gas range, and fresh new hardware that adds a refined finishing touch. Rich hardwood floors flow throughout, complemented by elegant crown molding and classic wainscoting that lend the home timeless character and warmth. The updated bathroom showcases thoughtful upgrades, while freshly painted walls, new carpet, and carefully selected window treatments create a bright, welcoming atmosphere from room to room. Rest easy knowing the big-ticket items have been handled - the home features a newer roof with new flashing and upgraded plumbing and heating systems. The partially finished basement, with framing already in place, offers exciting potential - whether you envision a home office, recreation room, or additional living space, the groundwork is ready for your vision. Outside, a spacious yard provides the perfect backdrop for entertaining, gardening, or simply relaxing, while the one-car garage offers convenient storage and parking. This is the Cape Cod you've been waiting for - full of character, updated where it counts, and ready to welcome its next chapter.

Features

  • Rooms: 6
  • Bedrooms: 4
  • Baths: 1 full
  • Laundry: In Basement
  • Style: Cape Cod
  • Year Built: 1952
  • Garage: 1-car
  • Heating: Hot Water, Natural Gas
  • Cooling: None
  • Basement: Full, Partially Finished
  • Approx Sq. Feet: 1,131
  • Acreage: 0.14
  • Est. Taxes: $11,339
  • Elem. School: Contact Agent
  • Middle School: Islip Middle School
  • High School: Islip High School
  • School District: Islip
  • Appliances: Stainless Steel Appliance(s)
  • MLS#: 997266
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/997266/27sprucestreet_islip_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 World Prop Intl Sea to Sky   Phone: 631-961-4626

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

27 Spruce Street, Islip, NY, 11751

$599,990

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 $479,992 $479,992 $479,992
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.375% 6.638% 5.972%
Monthly Tax Payment $945 $945 $945
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,955 $3,034 $3,986
Total Monthly Payment $3,992 $4,071 $5,023

* 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.