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Set on a level, fully fenced property in East Islip, this 3 bedroom Cape offers space, flexibility, and a long list of features that are hard to find in one home. The main level includes a primary bedroom, an updated kitchen with granite countertops and stainless steel appliances, and a large den with an airtight wood burning stove. A three season room provides additional living space, while skylights in the living room and upstairs bedrooms bring in plenty of natural light. The home is equipped with central air ductwork and three separate split units, each with its own condenser, providing both heating and cooling. Additional features include an in ground sprinkler system, wired smoke alarms, alarm system, and Ring security system. Outside, the fully fenced yard offers plenty of room to enjoy. A second driveway on the side of the property includes electric service and a sewer hookup, making it ideal for a trailer, RV, or additional vehicles. An upstairs bedroom closet includes hot and cold water hookups, offering future possibilities for customization. Window air conditioners will also be included. Located just minutes from the Islip train station, this home offers convenient access to shopping, dining, parks, and the Great South Bay. East Islip is known for its strong sense of community, beautiful waterfront areas, and easy commute options, making it a place many are proud to call home.
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Our Executive Mortgage Banker:
$589,803
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 |
|
|---|---|---|---|
| Loan Amount | $471,842 | $471,842 | $471,842 |
| 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% | 6.512% | 5.866% |
| Monthly Tax Payment | $901 | $901 | $901 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,826 | $2,944 | $3,887 |
| Total Monthly Payment | $3,819 | $3,937 | $4,880 |
* 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.