This 2 bed/2 bath colonial is located in the beautiful town of St James within the highly sought after Smithtown School District! Full basement with OSE. Detached garage. Walking distance to Lake Ave shopping & dining. Close to Schools, Smithtown Beaches, Stony Brook Harbor and Avalon Park. Low taxes of $8,659! Home needs some TLC. Zoned for residential and/or light commercial use. This is a great opportunity to live in the town of St James for a family and/or a business owner who uses their home for their office.
Type:
Single-family residential
Heating:
Natural Gas, Hot Water
Basement:
Full, Unfinished, Walk-Out Access
Parking:
Private, 1 Car Detached, Driveway
Construction
Frame, Shingle Siding
Lot Description:
Level, Near Public Transit
Elementary School:
St James Elementary School
Middle School:
Nesaquake Middle School
High School:
Smithtown High School-East
School District:
Smithtown
Appliances:
Dishwasher, Oven, Refrigerator
465 Moriches Road, Smithtown, (Saint James), NY, 11780
The rates and annual percentage rate (APR) displayed are based upon the following assumptions: a 20% down payment (e.g. $20,000 down on a $100,000 purchase price), conforming loan amount, $1,950 in finance charges, 30 days prepaid interest, 1 point, 30 day rate lock. The rates and annual percentage rate (APR) will vary depending upon the actual down payment percentages, points and fees for your transaction. Rates and the margin for adjustable rate mortgages [if applicable] are subject to change without prior notice and may vary with your unique credit history, and terms of your loan. The rates displayed vary by property state, may change or not be available at commitment or closing or may be subject to product restrictions.
The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first five years (for a 5/6 ARM) or seven years (for a 7/6 ARM) 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.
CT Mortgage Lender ML-2630 - MA Mortgage Lender and Mortgage Broker #MC2630 - NH Mortgage Banker #11083-MB - RI Mortgage Lender & Mortgage Broker #20051918LL & #20051919LB - NY Licensed Mortgage Banker - NYS Department of Financial Services LMBC 106535 / B500898 - NJ Residential Mortgage Lender 2630 - FL Mortgage Lender MLD1388 - VT Lender & Mortgage Broker #6952 & #1297MB
