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A rare find on a desirable corner lot in the heart of the Town of Smithtown with lower taxes and the acclaimed Sachem School District! This charming and well-maintained home features 3 bedrooms and 2 updated full baths upstairs with 2 additional bedroom and full bath downstairs. Step inside to find wood floors throughout, a sun-filled living space, and a kitchen complete with granite countertops. The primary bedroom includes a private en-suite bath. The formal dining room has double door access to the deck which is perfect for morning coffee or relaxing evenings outdoors. All major features were updated in 2019. These updates include a New Roof, New Cesspools, New Electric 200 amp, New Windows, Solar Panels and Solar Electric Car Charging Station with Sense app make this Home Eco Friendly and Energy Efficient, keeping your Utility Bills Low. New 8 zone 3-unit ductless Energy Star cooling and heating. New PVC Fencing in 2022. Roth Oil Tank 2019 currently used only for New 2019 oil fired hot water heater. New Underground Sprinkler System in 2025. Downstairs provides ample Living Space with an Outside Entrance for Potential Mother Daughter with Proper Permits. Don't miss this opportunity to own a home in a sought-after location with plenty of potential and low taxes. Move right in and make it your own!
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Our Executive Mortgage Banker:
$699,000
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 |
|
|---|---|---|---|
| Loan Amount | $559,200 | $559,200 | $559,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.887% | 6.078% |
| Monthly Tax Payment | $801 | $801 | $801 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,443 | $3,581 | $4,681 |
| Total Monthly Payment | $4,336 | $4,474 | $5,574 |
* 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.