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Disclaimer: Agent Owned Property Note: Some listing photos have been virtually staged 28 Dartmouth Drive sits in College Estates, one of Smithtown's most established neighborhoods. Quiet streets, strong neighbors, and one of Long Island's top-rated school districts right outside your door. The home has been thoughtfully maintained and strategically updated where it counts. The home received a full house-wide plumbing replacement and renovated primary bath in 2024, followed by a new furnace and water heater in 2025. While most homes in this price range and era are carrying decades-old systems, this one is not. The home is on natural gas service throughout. Inside, the main floor flows from a formal living room into a separate dining room, den, and eat-in kitchen, well-proportioned spaces filled with natural light from original Anderson windows. The south-facing front of the home draws sun through the main living spaces for most of the day. Hardwood floors and handcrafted wood finishes run throughout, giving the home a warmth and character that's hard to manufacture. Central air keeps things comfortable year round. A bonus room off the main living area works equally well as a home office or extra bedroom. The finished basement adds close to 1, 000 square feet of additional space, suited for a home gym, media room, extended family setup, or serious storage. A Cambridge paver stoop greets you at the front entry and a one-car garage rounds out the package. The backyard is private and generous. A quarter-acre lot enclosed by mature trees with one beautiful old anchor tree at the center that gives the space a presence most yards don't have. Minutes to town beaches on the Nissequogue River, Avalon Nature Preserve, Stony Brook University Hospital, downtown Smithtown, and Port Jefferson village. Quick access to the LIE, Route 347, and the St. James LIRR station. Smithtown East school district.
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Our Executive Mortgage Banker:
$769,990
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 | $615,992 | $615,992 | $615,992 |
| 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 | $961 | $961 | $961 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,689 | $3,889 | $5,115 |
| Total Monthly Payment | $4,741 | $4,941 | $6,167 |
* 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.