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One or more photos) was virtually staged. Welcome to 11 Ona Lane in New Windsor, a thoughtfully maintained raised ranch that combines comfort, efficiency, and long-term value. This 3-bedroom, 2. 5-bath home offers approximately 1, 894 square feet of living space, including a finished lower level that provides flexible options for a family room, home office, recreation area, or additional living space. The main floor features a functional layout with inviting living spaces and an eat-in kitchen designed for everyday convenience. A full basement with an attached 2-car garage adds valuable storage and practicality. Situated on a 58 x 158 lot in a quiet residential setting, the property is connected to municipal water and sewer services for easy maintenance and peace of mind. This home also includes several energy-efficient upgrades and valuable improvements throughout. Sunrun solar panels are installed on a roof that was replaced approximately five years ago, helping reduce electricity costs while adding long-term value. Additional enhancements include premium stainless steel micro-mesh gutter guards, insulated side walls, an insulated garage door, and added attic insulation designed to improve comfort and heat retention. The home also features newer vinyl siding. Comfort and heating systems have been thoughtfully updated with a newer oil burner rated at 87% efficiency, baseboard heating throughout, and upgraded triple-wall stainless steel chimney components serving both the oil burner and wood-burning stove. Additional features include an electric water heater servicing the upstairs bathrooms and kitchen sink, a 40-gallon hot water storage tank connected to the heating system, and a triple-layer storm window in the living room for enhanced insulation and energy savings. Altogether, 11 Ona Lane offers a combination of practical living space, efficiency-focused upgrades, and dependable systems in a desirable New Windsor neighborhood. Recent solar installation adds energy efficiency and long-term savings, making this home an even smarter investment. Located within the Newburgh School District and close to major commuter routes, shopping, and local amenities, this is a great opportunity for both homeowners and investors alike.
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Our Executive Mortgage Banker:
$420,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $336,000 | $336,000 | $336,000 |
| 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 | $862 | $862 | $862 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,012 | $2,122 | $2,790 |
| Total Monthly Payment | $2,949 | $3,059 | $3,727 |
* 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.