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Welcome to this charming 2-bedroom, 1. 5-bath cottage-style ranch, ideally located just minutes from the heart of vibrant Patchogue. From the classic brick facade and inviting front porch to the long driveway and convenient circular driveway, this home offers warmth, character, and everyday convenience. Inside, natural light pours through the large picture window into the welcoming living room. Two comfortable bedrooms are complemented by an oversized full bathroom, while a wide hallway with a walk-in coat closet and half bath leads to the spacious eat-in kitchen. Featuring a vaulted ceiling with new recessed lighting, newer stainless steel appliances, including a gas oven, refrigerator, and dishwasher, and a large movable center island, the kitchen is ready for everyday living and entertaining. This home also boasts new vinyl wood flooring throughout. The partial basement offers laundry, utilities, and additional storage, with existing hookups available should you prefer to relocate the laundry back to the main level. Step outside to the expansive rear deck, approximately six years young, and enjoy the peaceful backdrop of untouched woods, offering exceptional privacy and a beautiful natural setting. Gas heating and cooking, three air conditioning units, and a location that's hard to beat complete the package. Just minutes from downtown Patchogue's award-winning restaurants, vibrant nightlife, boutique shopping, Patchogue Theatre for the Performing Arts, the Long Island Rail Road, parks, beaches, marinas, and the Great South Bay, this home is a wonderful opportunity to enjoy one of Long Island's most sought-after communities. Whether you're looking for your first home, downsizing, or searching for a peaceful retreat close to the excitement of downtown Patchogue, this charming ranch offers the perfect blend of comfort, privacy, and location.
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.
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Our Executive Mortgage Banker:
$515,000
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 | $412,000 | $412,000 | $412,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.615% | 5.866% |
| Monthly Tax Payment | $732 | $732 | $732 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,468 | $2,601 | $3,394 |
| Total Monthly Payment | $3,292 | $3,425 | $4,218 |
* 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.