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Location, Location! Nestled in a sought-after beach community, this sun-filled Hampton-style ranch offers the perfect year-round residence or weekend retreat. Beautifully maintained and tastefully decorated throughout, this 3-bedroom, 1. 5-bath home is filled with charm and thoughtful updates. The inviting interior features hardwood floors, custom built-ins, white cabinetry, subway tile backsplash, quartz countertops, stainless steel appliances, Andersen windows and sliders, and abundant natural light. The finished lower level offers additional living space, storage, laundry, and a half bath. Step outside to an incredible backyard designed for relaxing and entertaining, complete with a beautiful bluestone patio, Trex decking with PVC railings, oversized shed, mature landscaping, and decorative beach rocks that create a private coastal-inspired setting. Residents enjoy access to community amenities, including seasonal security, lifeguards, and beach privileges for approximately $450 per year. Recent improvements include newer heating, central air conditioning, a 200-amp electrical service, and a new Roth oil tank. This is a truly special home that combines beach community living, modern updates, and timeless Hampton-style appeal all in the famed Miller Place Schools
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Our Executive Mortgage Banker:
$649,996
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 | $519,997 | $519,997 | $519,997 |
| 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 | $864 | $864 | $864 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,114 | $3,283 | $4,318 |
| Total Monthly Payment | $4,070 | $4,239 | $5,274 |
* 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.