46 Kirby Lane, Ronkonkoma, NY, 11779 | $450,000
Exceptionally low taxes make this charming and well-maintained 2-bedroom, 1-bathroom cottage-style home an outstanding opportunity for homeowners and investors alike. The updated kitchen serves as the heart of the home, featuring Samsung stainless steel appliances, including a 5-burner gas stove, over-the-range microwave, dual-temperature wine refrigerator, white shaker cabinetry, and a spacious peninsula with seating. The open-concept layout flows seamlessly into the living and dining areas, highlighted by durable Pergo flooring throughout the main living space. Both bedrooms are generously sized and offer ample closet space. Enjoy direct access to your private backyard from both the kitchen and primary bedroom, perfect for relaxing or entertaining. The fully fenced yard features attractive PVC fencing, a private two-car driveway that extends into the backyard, Samsung smart washer and dryer, and attic storage. An unfinished basement provides abundant storage space and additional flexibility. This property presents a unique opportunity in today’s market.
Features
- Rooms: 5
- Bedrooms: 2
- Baths: 1 full
- Style: Cottage
- Year Built: 1954
- Heating: Natural Gas
- Cooling: Wall/Window Unit(s)
- Basement: Unfinished, Walk-Out Access
- Approx Sq. Feet: 741
- Acreage: 0.1
- Est. Taxes: $3,932
- Elem. School: Wenonah School
- Middle School: Samoset Middle School
- High School: Sachem High School North
- School District: Sachem
- Appliances: Dishwasher, Dryer, Freezer, Gas Oven, Microwave, Stainless Steel Appliance(s), Washer, Wine Refrigerator
- MLS#: 1009014
- Days on Market: 7 days
- Website: https://www.raveis.com
/prop/1009014/46kirbylane_ronkonkoma_ny?source=qrflyer
William Raveis Family of Services
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Customer Service
888.699.8876
Contact@raveis.com
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- Market your home to realize a quick sale at the best possible price
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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
46 Kirby Lane, Ronkonkoma, NY, 11779
$450,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
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 | $360,000 | $360,000 | $360,000 |
| 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 | $328 | $328 | $328 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,156 | $2,273 | $2,989 |
| Total Monthly Payment | $2,559 | $2,676 | $3,392 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535