|
You have driven past the new construction. You have walked the open houses where every room looks like the last one, where the floors are flat and the trim is thin and nothing has a story yet. And somewhere in the back of your mind you have been holding out for this instead. A Victorian farmhouse that has been standing since the 1880s and has been loved into every decade since. You feel it the moment you turn off the road and the gravel drive runs between dry stacked stone walls toward a classic yellow farmhouse wrapped in brand new vinyl siding, with a porch deep enough to lose an afternoon on. The trees out here are the kind that take a century to grow, and they have. The lawn rolls out soft and open across better than an acre. You already know, before you reach the steps, that they do not make them like this anymore. Step inside and the years come with you. Wide plank oak and pine floors stretch underfoot, glowing where the sun lands and worn just enough to prove they have carried generations of footsteps. Original chandeliers still hang where they were hung. Hand hewn beams run overhead. Ornate moldings frame the doorways, and the staircase rises on turned spindles worn smooth by hands long before yours. Thoughtful decorative details throughout add personality and character without taking away from the home's historic roots. Everywhere you look there is something a craftsman cared about, the kind of work that cost a small fortune then and would cost several now. The main floor opens into sun filled rooms that each keep their own quiet world. There is a sitting parlor for slow mornings and a formal living room with a reading nook built right into it, the corner you will claim within a week and defend forever. Brick fireplaces anchor the rooms the way they have for generations. The keeping room, currently arranged as a dining room, offers the kind of atmosphere that makes lingering over meals feel natural, surrounded by the warmth and authenticity that only a home of this age can provide. These are not finishes. They are the bones of a home that was built to last and built to be beautiful. What makes it rare is that the romance comes already paired with comfort. The kitchen carries the character forward with warm oak cabinetry and Jenn Air appliances, ready for the cooking projects that stretch all day. A newly finished full bathroom on the first floor adds convenience and flexibility to the layout. Upstairs, an oversized primary suite gives you a custom full bath and three closets, a genuine luxury in a home of this age, alongside three more bedrooms and a hall bath. And the work that nobody sees has already been done. A brand new dual-zone furnace provides efficient comfort throughout the home. A brand new hot water heater. A new well pump and water filtration system. A new shed out back. Fresh vinyl siding. The major improvements are already in place, allowing you to spend your time falling for this house instead of fixing it. With four bedrooms and 2, 882 square feet, it never once feels like a floor plan. It feels like a home. You are minutes from Middletown, a short drive from the charming village center and harness racing history of Goshen, the orchards and farm markets of the Hudson Valley, the Black Dirt Region, and Bellvale Farms Creamery. Stewart International Airport is about 25 minutes away, and Manhattan is roughly 70 miles south, close enough to stay connected and far enough to finally exhale. The quiet here is the kind people drive a long way to find. This is not a home you settle for. It is the one you have been waiting on all along. You will stand on that porch one evening with the light stretching long across the lawn and the old house warm at your back, and you will understand, all at once and without needing to say it, that the wait was the whole point, and that you got this one exactly right.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
$525,000
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 | $420,000 | $420,000 | $420,000 |
| 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 | 6.370% | 6.615% | 5.952% |
| Monthly Tax Payment | $859 | $859 | $859 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,515 | $2,652 | $3,488 |
| Total Monthly Payment | $3,466 | $3,603 | $4,439 |
* 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.