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Welcome to 18-77 Hart Street, a fantastic two-family property situated on a gorgeous, tree-lined block in the highly desirable neighborhood of Ridgewood. This classic property offers an exceptional opportunity for someone looking to plant roots in a vibrant community, featuring a spacious first-floor unit, a matching second-floor unit, and a fully finished lower level with its own separate outside entrance. Adding incredible value to this property is a rare and highly coveted two-car garage at the rear, accessible via a shared driveway. Both the first and second-floor layouts are bright and functional, each offering a generous living room, a separate formal dining room, a windowed galley kitchen with ample cabinetry and countertop space, a full bathroom, and two comfortable bedrooms toward the back. The second floor also features a bonus room off the front entrance that is ideal for a home office, nursery, or creative space. The expansive lower level expands the usable footprint of the home significantly, providing a massive recreation room, dedicated laundry room facilities, multiple utility areas, and an additional half bath. Location is everything, and this home places you right in the center of one of the most exciting neighborhoods in New York. Ridgewood has truly become its own premier destination, seamlessly blending a classic neighborhood feel with a thriving culture of dining, shopping, and entertainment. Local favorites like Nomad Cafe and Buttah are just around the corner, with too many incredible eateries, local boutiques, and coffee houses to name. Commuting is effortless, with the home located under a half-mile from the DeKalb Avenue L train station and only about a third of a mile from the Seneca Avenue M train station, providing quick and reliable access directly into Manhattan and Brooklyn. Whether you are looking to create a spacious multi-generational home or establish a primary residence with built-in income potential to help pay the mortgage, this versatile Ridgewood property is ready for its next chapter.
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Our Executive Mortgage Banker:
$1,650,000
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
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,320,000 | $1,320,000 | $1,320,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 6.000% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.117% | 6.121% | 6.058% |
| Monthly Tax Payment | $711 | $711 | $711 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,392 | $7,914 | $11,050 |
| Total Monthly Payment | $8,228 | $8,750 | $11,886 |
* 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.