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Welcome home to a beautifully designed open-concept layout. Upon entering from the front porch, you are greeted by a seamless transition between the living and dining areas, leading directly into a modern kitchen complete with stainless steel appliances, including a dishwasher less than one year old. The main level also features two spacious bedrooms and a recently renovated full bathroom. The second floor is dedicated to a private primary suite, featuring a primary bedroom, full bathroom, and excellent storage solutions with additional closets located in the hallway. Below, the expansive unfinished basement provides convenient on-site laundry facilities and abundant potential for customization. Key Mechanical updates offer ultimate peace of mind and energy efficiency. The electrical service was recently upgraded to 150 amps, and the high-efficiency HVAC system and water heater ensure low utility costs. Additional exterior highlights include a detached garage equipped with electrical power and a newly replaced driveway. For maximum security and reliability, the property features a standby Kohler generator complete with an automatic transfer switch. The architectural roof was replaced 2 years ago on both home and garage. This charming craftsman style cape is located on a flat piece of land a short distance to the Islip and central Islip train stations. Shopping is a short distance with easy access to Sunrise Highway and Southern State parkway. Minutes to Heckscher State Park and Islip Town Beaches.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
$610,000
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 | $488,000 | $488,000 | $488,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.230% | 6.512% | 5.866% |
| Monthly Tax Payment | $829 | $829 | $829 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,887 | $3,044 | $4,020 |
| Total Monthly Payment | $3,808 | $3,965 | $4,941 |
* 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.