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Some people walk into a house built in 1790 and see only what they would want to change. You are not one of those people. You look up and find hand-hewn beams running the length of the ceiling, the axe marks still visible in the wood, and you understand immediately that no budget on earth can manufacture that. You look down at wide plank floors, boards far wider than anything milled today, worn to a soft glow by more than two centuries of footsteps. Something in you settles. You have been holding out for a house that was actually made by hand, and they almost never come up for sale. This is a home that rewards people who notice things. The deep window casings that hold the afternoon light. The painted wainscoting and the papered walls that someone chose with real care. The fireplaces you gather around when the weather turns, every one of them working, and down in the stone cellar, the original walk-in cooking hearth where every meal in this house was once made, still standing exactly as it was built. You do not restore a detail like that. You inherit it, and you become the person lucky enough to live alongside it. At the end of the day you retreat to a primary suite that feels like its own quiet corner of the house, beams overhead, wide boards underfoot, and a fireplace of its own for the nights you want to read until the fire dies down. Waking up here does not feel like waking up anywhere else. Here is the part that lets you exhale. Loving an old house usually means bracing for the big-ticket surprises, but the important things here are already handled. The windows were replaced about 8 years ago, the cesspool was updated in the same stretch, and the home runs on natural gas heat. So you get all the soul of 1790 with far less of the worry, free to spend your attention on the details you fell for rather than the systems behind the walls. Step outside and the land does the rest. There is a pond on your own 1. 30 acres, willows leaning over the water, the kind of view that makes a Sunday disappear. A great old shade tree spreads over the lawn, wide enough to sit under all afternoon, with room to plant a garden, build a fire pit by the water, and spread out in a way you cannot in town. Come evening you can take the porch, listen to the quiet, and feel a good distance from everything you needed a break from. The location quietly works in your favor. This sits in the Valley Central school district, one of the most sought-after and genuinely affordable in the county, which helps the value hold. Angry Orchard's cider house is practically down the road for a slow afternoon in the Wallkill Valley, the shops and cafes of the village of Montgomery are minutes away, and when the city calls you are roughly 70 miles from the George Washington Bridge with the Thruway and I-84 close at hand. Houses like this were built to outlast everyone who lives in them. The people who love old homes understand that owning one is less about buying a property and more about becoming its next caretaker. If that is you, this one has been waiting a long time for someone who would see it.
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Our Executive Mortgage Banker:
$439,900
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 | $351,920 | $351,920 | $351,920 |
| 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 | 6.358% | 6.640% | 5.952% |
| Monthly Tax Payment | $740 | $740 | $740 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,108 | $2,222 | $2,922 |
| Total Monthly Payment | $2,923 | $3,037 | $3,737 |
* 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.