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Welcome to 138 River Road, Shirley – a beautifully maintained stucco ranch offering the perfect blend of comfort, style, and entertainment. This thoughtfully designed home features 3 spacious bedrooms and 2 full bathrooms, with every room showcasing its own unique character through custom accent walls and generous closet space. Inside opens to an inviting open-concept floor plan highlighted by a cozy gas fireplace, creating the perfect atmosphere for relaxing or entertaining guests. The heart of the home is the chef-inspired kitchen, complete with a large center island, granite countertops, built-in gas cooktop with overhead vent, stainless steel appliances, stylish backsplash, and soft-close cabinetry. Ceramic tile flooring flows throughout the main living areas, while the bedrooms feature attractive vinyl flooring. Crown molding adds an elegant touch throughout the home. The first-floor bathroom boasts soaring ceilings and a skylight, filling the space with natural light. Convenient interior access leads to the expansive finished basement, offering endless possibilities with a spacious open layout, built-in bar, and second full bathroom—perfect for entertaining, a recreation room, home office, or guest space. Additional features include central air conditioning, gas heat, and numerous updates throughout. Outside you’ll enjoy your private backyard retreat. Relax on the Trex deck or spend your summers enjoying the saltwater in-ground pool featuring a brand-new liner and timer system. The front porch provides the perfect place to enjoy your morning coffee while taking in the peaceful surroundings. Conveniently located just minutes from Smith Point Beach, one of Long Island’s premier oceanfront destinations, where you can enjoy sandy beaches, fishing, boating, surfing, camping, and breathtaking sunrises over the Atlantic Ocean. Commuters will appreciate easy access to Sunrise Highway, William Floyd Parkway, and the Long Island Expressway, making travel throughout Long Island simple and convenient. The nearby Long Island Rail Road station provides access to New York City, with Times Square reachable in approximately 90 minutes. Shirley offers an exceptional lifestyle with nearby parks, marinas, golf courses, nature preserves, waterfront dining, local shopping centers, fitness facilities, and year-round recreational activities. Outdoor enthusiasts will appreciate proximity to Wertheim National Wildlife Refuge, Smith Point County Park, Forge River boating opportunities, and the Great South Bay. Whether you’re looking for a year-round residence or the perfect place to entertain family and friends, this home offers an incredible combination of location, amenities, and lifestyle. Don’t miss the opportunity to make this beautiful Shirley home your own.
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Our Executive Mortgage Banker:
$619,999
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 |
|
|---|---|---|---|
| Loan Amount | $495,999 | $495,999 | $495,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.512% | 5.866% |
| Monthly Tax Payment | $573 | $573 | $573 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,971 | $3,094 | $4,086 |
| Total Monthly Payment | $3,636 | $3,759 | $4,751 |
* 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.