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Welcome home to 20 Essex Circle, a pristine and beautifully appointed 3 bedroom, 3. 5 bathroom Colonial nestled on a 0. 37 acre parcel in Shirley. The entry gives way to a sun filled interior defined by natural woodwork, gleaming hardwood floors, and a living room accented by soaring cathedral ceilings. The seamless main level flow is designed for entertaining and effortless daily living, featuring a formal dining room, a powder room, and a magnificent, open concept eat-in kitchen. A designer’s dream, the kitchen boasts a premium quartz island, stunning backsplash, beautiful countertops, and a full suite of stainless steel appliances. Ascend to your private luxurious primary bedroom elevated by its own dramatic cathedral ceilings, a lavish en-suite bath, and a double vanity. Two additional spacious bedrooms and a pristine full bath ensure comfort for family and guests alike. The lower level expands your living space exponentially with a fully finished basement. This footprint is perfectly curated to include a cozy den, an office, a convenient laundry room, a full bathroom, and a finished storage room space. Outdoors, your private, expansive 16, 117 square-foot backyard awaits. Offering many possibilities for summer gatherings. Complete with central air conditioning, an attached 2 car garage, and a private driveway, this turnkey residence perfectly balances classic architectural charm with contemporary feel;Just minutes from Smith Point Beach, easy access to shopping the Hamptons and Wineries.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
$589,990
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 | $471,992 | $471,992 | $471,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $853 | $853 | $853 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,827 | $2,945 | $3,888 |
| Total Monthly Payment | $3,772 | $3,890 | $4,833 |
* 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.