Welcome to 103 Stephen Road in the well-sought Bayport community. This well maintained Hi Ranch features an open concept living room and dining room, along with a custom wood kitchen with quartz countertops and sliders leading to the upper deck. As you head down the hall, you will discover the primary bedroom, two additional bedrooms, and a spacious full bath with access from both the hallway and the primary bedroom. Also featured are beautiful wood floors throughout, along with an attic for ample storage to complete the upper level. As you continue down to the lower level, you are greeted by an oversized den featuring a wood burning fireplace, creating the perfect space for relaxing or entertaining. Also featured on the lower level are a half bath and a laundry room that could easily be converted into a full bath while still allowing ample laundry space. A fourth bedroom could easily be added to the floor plan if desired. The utility room houses the Weil McLain burner and separate hot water heater. Completing the lower level is a two car garage with rear yard access for additional convenience. As you head outside through the rear sliders, you are welcomed by a large private backyard featuring an upper deck, patio, and pergola, perfect for entertaining, along with plenty of room for a pool. Additional features include central air conditioning, an inground sprinkler system, and a four car driveway. Being just two miles in either direction from the ever popular Corey Beach, Sayville Village and Patchogue Village, this home is an absolute must see and will not last!
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Our Executive Mortgage Banker:
$689,000
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $551,200 | $551,200 | $551,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.358% | 6.640% | 5.952% |
| Monthly Tax Payment | $1,246 | $1,246 | $1,246 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,301 | $3,480 | $4,577 |
| Total Monthly Payment | $4,639 | $4,818 | $5,915 |
* 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.