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Waterfront retreat in the coveted Fleets Neck community of Cutchogue. Nestled along a tranquil creek, this charming 2 bedroom, 2 bathroom cottage offers a peaceful setting with beautiful water views, spectacular sunsets, and the perfect backdrop for a North Fork escape. Enjoy kayaking, paddleboarding, fishing, or simply relaxing by the water, all while being moments from the neighborhood’s beloved beaches. Located within the sought-after Fleets Neck community, tenants can enjoy proximity to Fleets Neck Beach and Pequash Beach. Ideally situated near renowned vineyards, farm stands, waterfront dining, marinas, and all the charm of North Fork living, this inviting cottage offers the perfect blend of waterfront serenity and convenience. Available for September and October 2026, as well as an off-season rental opportunity. Whether you’re seeking a fall getaway, seasonal retreat, or extended stay on the North Fork, this waterfront cottage is a rare opportunity to experience the best of Cutchogue’s coveted Fleets Neck waterfront lifestyle. Availability: September $3, 000, October $3, 000 or off season rental for $2800 per month
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Our Executive Mortgage Banker:
$2,800
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 | $2,240 | $2,240 | $2,240 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.628% | 5.866% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $13 | $14 | $18 |
| Total Monthly Payment | $88 | $89 | $93 |
* 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.