20 Heathcote Road, Carmel, NY, 10512 | $425,000

Don’t miss this opportunity to live in a desirable lake community with convenient access to major highways, Metro-North train station, schools and hospital. This charismatic home offers 3 bedrooms plus a bonus den/office and detached garage w/workshop. Relax on your front deck overlooking the fenced yard adorned with cherry, magnolia, maple, and peach trees. The main level features a welcoming sunroom/entryway, cozy living room w/pellet stove, two bedrooms, updated full bath, kitchen, dining area, laundry area, and pantry! The kitchen offers convenient access from the flat driveway—perfect for bringing in groceries—and features new butcher block countertops, new backsplash, and a walk-in pantry w/shelving and radiant floor heat. The updated bathroom features radiant floor heating for added comfort, while the main-level laundry area provides everyday convenience. Upstairs, you'll find a third bedroom with an adjoining bathroom featuring a commode, shower, and sink, along with a versatile space ideal for office, guest room, hobby room, storage - you decide! New flooring extends throughout the kitchen, pantry, dining area, sunroom, and second level. Additional improvements include a newly blacktopped driveway, new rear steps and railing, newer roofs on both the home and garage, a newer above-ground oil tank, boiler, electrical panel, hot water heater, well pump, and septic lid. The refrigerator and dryer are approx. two years old, while the remaining appliances are approx. four years old. Additional features include a whole-house water filtration system, generator hookup, and security cameras equipped w/floodlights and motion/sound detection. As a resident, you'll enjoy access to the Lake Carmel community featuring 7 beaches, swimming, fishing, non-motorized boating, playgrounds, and basketball courts. Great year-round home or weekend escape!

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 1 full / 1 half
  • Laundry: In Kitchen
  • Style: Cottage
  • Year Built: 1938
  • Garage: 1-car
  • Heating: Baseboard, Oil, Radiant, Radiant Floor
  • Cooling: Wall/Window Unit(s)
  • Basement: Partial, Unfinished, Walk-Out Access
  • Approx Sq. Feet: 1,496
  • Acreage: 0.18
  • Est. Taxes: $10,801
  • Lot Desc: Level, Near Golf Course, Near Public Transit, Near School, Near Shops
  • Water Front: Yes
  • Elem. School: Matthew Paterson Elementary School
  • Middle School: George Fischer Middle School
  • High School: Carmel High School
  • School District: Carmel
  • Appliances: Dishwasher, Dryer, Oven, Refrigerator, Stainless Steel Appliance(s), Washer
  • MLS#: 1006104
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/1006104/20heathcoteroad_carmel_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 Briante Realty Group, LLC   Phone: 845-225-2020

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

20 Heathcote Road, Carmel, NY, 10512

$425,000

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 $340,000 $340,000 $340,000
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 $900 $900 $900
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,036 $2,121 $2,801
Total Monthly Payment $3,011 $3,096 $3,776

* 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.