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4 Harding Street, Middletown, NY, 10940 | $389,000
Middletown Central Gem with Lots of Space and Super Low Taxes! Located just minutes from Downtown Middletown, this solid house has a very practical layout with 4 spacious bedrooms and 2 full bathrooms, making it perfect for a growing family or an investor. On top of the great living space, you get a huge attic and a full basement that give you tons of extra room for storage or a workshop. The best part about this property is the incredibly low holding cost—total annual taxes are only $3, 750(year 2025), and you can lower them even more if you live here as your primary home by applying for the NY STAR tax relief. A brand-new, energy-efficient Navien tankless wall-mounted combination boiler was installed last year, providing reliable, high-efficiency heating and hot water while saving on utility bills. While the house is in average condition right now and needs some cosmetic updates, it has great bones and a rock-solid foundation. This is a rare chance to buy a big house with low expenses, fix it up your way, and build instant equity in a super convenient location.
Features
- Rooms: 6
- Bedrooms: 4
- Baths: 2 full
- Style: Other
- Year Built: 1900
- Heating: Baseboard, ENERGY STAR Qualified Equipment, Natural Gas
- Cooling: None
- Basement: Full, Unfinished
- Approx Sq. Feet: 1,416
- Acreage: 0.04
- Est. Taxes: $3,779
- Elem. School: Maple Hill Elementary School
- Middle School: Middletown Twin Towers Middle Sch
- High School: Middletown High School
- School District: Middletown
- Appliances: Gas Oven, Gas Range, Refrigerator
- MLS#: 1024955
- Days on Market: 0 day
- Website: https://www.raveis.com
/prop/1024955/4hardingstreet_middletown_ny?source=qrflyer
William Raveis Family of Services
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.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 81725
203.980.8025
Frank.Kolb@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
4 Harding Street, Middletown, NY, 10940
$389,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Frank Kolb
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 | $311,200 | $311,200 | $311,200 |
| 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 | $315 | $315 | $315 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,891 | $1,965 | $2,584 |
| Total Monthly Payment | $2,281 | $2,355 | $2,974 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535