18 Rail Road Avenue, Hunter, NY, 12485 | $442,000

Bright + Spacious Two-Family Just Off Main Street, Tannersville

Tucked just behind the heart of Tannersville, this beautifully renovated legal two-family is full of space, light, and flexibility. With five bedrooms, two kitchens, a loft, and two full baths, the home can easily function as a shared residence, short-term rental, or combined into one generous single-family layout.

Step inside and you'll feel the care that's gone into the upgrades - modern touches balanced with a cozy, upstate vibe. The layout invites connection and privacy in equal measure. A wide front porch adds charm, while the detached garage offers practical storage or studio potential.

But it's the backyard that steals the show. Hidden from the street, it opens into a serene world of its own - private, peaceful, and made for memory-making. Whether you're soaking in the hot tub, gathering around the firepit, or just enjoying the quiet under the covered porches, it's an escape you'll never want to leave.

From here, you're just a few blocks from everything: coffee, cocktails, concerts, theater, hiking trails, and Hunter Mountain just minutes away. It's rare to find something this move-in ready, this close to Main Street, and with outdoor space that truly feels like a retreat.

Let us walk you through the full list of improvements--this is a property worth seeing in person.

Features

  • Rooms: 12
  • Bedrooms: 5
  • Baths: 2 full
  • Laundry: Laundry Closet, Main Level
  • Style: Arts & Crafts
  • Year Built: 1943
  • Heating: Baseboard, Forced Air
  • Basement: Partial, Unfinished
  • Acreage: 0.35
  • Est. Taxes: $4,019
  • Lot Desc: Back Yard, Landscaped, Level, Near Golf Course, Native Plants, Near Public Transit, Private
  • View: Creek/Stream, Downtown, Trees/Woods
  • School District: Hunter-Tannersville
  • Appliances: Dishwasher, Gas Oven, Gas Range, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer/Dryer Stacked
  • MLS#: 20262720
  • Days on Market: 61 days
  • Website: https://www.raveis.com
    /prop/20262720/18railroadavenue_hunter_ny?source=qrflyer
Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Hudson Valley Catskills Region

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.

D&D TeamSales Associates

772.233.9657

DandD@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.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@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

Joseph HartleyInsurance Sales Director, William Raveis Insurance

954.729.6530

Joseph.Hartley@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

18 Rail Road Avenue, Hunter, NY, 12485

$442,000

D&D Team

Sales Associates

William Raveis Real Estate

Phone: 772.233.9657

DandD@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $353,600 $353,600 $353,600
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.760% 6.902% 6.118%
Monthly Tax Payment $335 $335 $335
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,177 $2,293 $2,960
Total Monthly Payment $2,587 $2,703 $3,370

* 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.