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Welcome to 39 Church Street, where generous living spaces, exceptional flexibility and room to grow come together in the heart of Central Islip. Offering Five Bedrooms, including a Primary Bedroom on the Main Level and a versatile finished Lower Level with a separate outside entrance, this Custom Cape is designed to accommodate a variety of lifestyles. Step inside to a sun-filled Formal Living Room featuring beautiful hardwood floors. The spacious Kitchen features gas cooking, abundant cabinetry, generous counter space, and a large window over the sink overlooking the side yard. The Kitchen opens to a versatile dining/great room with plenty of space for a dining table as well as a comfortable sitting area. Indoor-outdoor entertaining is a breeze with a door leading directly to the oversized covered patio and the yard. The Main Level features a spacious Primary Bedroom with ample closet space, a second well-sized Bedroom, and a large Full Bath, offering the convenience of one-level living. Upstairs, you'll find two additional generously sized Bedrooms. The finished Lower Level provides exceptional flexibility with a Recreation Room ideal for a Home Office, Home Gym, Craft Room, Playroom or Media Room, plus a dedicated Laundry area. Additional finished living space includes a bonus separate living suite with a Bedroom, Living Room, Full Bath, Summer Kitchen and a separate outside entrance providing added flexibility for extended household living. Step outside to one of the home's most exceptional features, an oversized covered patio that expands your living space outdoors. Whether hosting gatherings, enjoying al fresco dining, or simply unwinding with your morning coffee, this versatile outdoor retreat offers year-round enjoyment and adds tremendous lifestyle value. The long, Belgian-block lined oversized driveway provides abundant off-street parking, while the back yard offers plenty of space for outdoor activities, gardening, or simply enjoying the outdoors. Low Taxes and conveniently located near the LIRR, schools, shopping, dining, the Central Islip Community Park Playground, the Central Islip Recreation Center and just a short drive to Long Island Ducks games. 39 Church Street offers the space today's buyers need and the flexibility they'll appreciate for years to come.
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:
$575,000
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 | $460,000 | $460,000 | $460,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $755 | $755 | $755 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,795 | $2,904 | $3,820 |
| Total Monthly Payment | $3,642 | $3,751 | $4,667 |
* 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.