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Welcome home to this beautifully maintained property in the desirable Halfmoon area outside of Clifton Park, located within the award-winning Shenendehowa School District. With a brand-new roof, custom bathroom, and timeless character throughout, this home is truly move-in ready and affordable too!
Wide-plank hardwood floors add warmth and charm throughout the main level and continue upstairs - yes, under the carpets too! The flexible floor plan includes a first-floor office that can easily serve as a fourth bedroom, along with the convenience of first-floor laundry, large bathroom with walk-in closet, a spacious mudroom, and a detached garage (can be heated) complete with an extra workshop area.
The cozy pellet stove provides an efficient secondary heat source, helping reduce heating expense while creating a warm and inviting atmosphere during the colder months. Additional features include new front deck, awning, and door.
Step outside to your own backyard retreat. Situated on just over half an acre, the fully fenced yard offers plenty of room to play, entertain, or relax. Enjoy summer days on the expansive double-level deck, cool off in the above-ground pool, gather around the fire pit, or simply unwind in the privacy of your outdoor oasis.
Offering the perfect combination of comfort, character, flexible living space, and an exceptional location close to shopping, restaurants, parks, and everyday conveniences, this is a home you'll be proud to call your own.
Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Hudson Valley Catskills Region
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Our Executive Mortgage Banker:
$315,000
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 |
|
|---|---|---|---|
| Loan Amount | $252,000 | $252,000 | $252,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.697% | 6.650% | 5.992% |
| Monthly Tax Payment | $330 | $330 | $330 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,531 | $1,593 | $2,093 |
| Total Monthly Payment | $1,936 | $1,998 | $2,498 |
* 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.