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Located in New Windsor within the Newburgh School District, this 3-bedroom, 2-bath raised ranch offers 1, 553 square feet of living space on a 0. 34-acre lot, combining flexible living space with meaningful recent updates. Buyers looking for a home in Orange County under $400K will appreciate the value of major improvements already completed, including a high-efficiency gas boiler installed in 2020, 200-amp electrical upgrade completed in 2025, brand-new siding, decking, and garage door. The raised ranch layout offers separation between main living and lower-level living spaces, creating flexibility for a variety of lifestyles. The main level features a functional eat-in kitchen with stainless steel appliances, granite countertops, and everyday dining space, along with comfortable living areas and practical flooring throughout. The lower level expands the home’s versatility with additional finished space and a newly renovated full bathroom, making it an excellent fit for buyers searching for a house with finished lower-level space that can function as a recreation room, home office, guest area, gym, or secondary living space. The lower level leads into an expanded 1. 5 car garage. Outdoor features add strong appeal, including a spacious back deck overlooking the yard, a storage shed, and a generous open backyard with room for entertaining, gardening, or recreation. Buyers searching for a property with outdoor entertaining space, a raised ranch with updated systems, or a home with flexible living space in New Windsor NY will find compelling value here. Conveniently located near shopping, parks, schools, and commuter routes throughout Orange County.
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Our Executive Mortgage Banker:
$385,000
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 | $308,000 | $308,000 | $308,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $622 | $622 | $622 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,896 | $1,945 | $2,558 |
| Total Monthly Payment | $2,593 | $2,642 | $3,255 |
* 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.