Charming and beautifully restored, this home seamlessly blends the character of its 1918 origins with today's modern conveniences. Taken down to the studs and completely renovated just four years ago, everything is like new while preserving its timeless curb appeal and old-world charm. Driveway repaved in 2023. Step inside to a bright, sun-filled interior featuring luxury vinyl flooring, central air conditioning, quartz countertops, stainless steel appliances, and an abundance of cabinetry. The spacious living room offers the perfect place to relax or entertain, while large windows flood the home with natural light. The first floor features a convenient bedroom and full bath, ideal for guests or one-level living. Upstairs, you'll find two additional bedrooms and another full bath. Enjoy outdoor living on the wood patio, perfect for morning coffee or evening gatherings. Conveniently located within walking distance to train station, shopping, restaurants, and all that Smithtown has to offer. A rare opportunity to own a fully renovated home with historic charm and modern style.
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Our Executive Mortgage Banker:
$599,000
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $479,200 | $479,200 | $479,200 |
| 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 | $796 | $796 | $796 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,870 | $3,026 | $3,979 |
| Total Monthly Payment | $3,758 | $3,914 | $4,867 |
* 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.