164 River Street, Middleburgh, NY, 12122 | $795,000

River Street Social, a Victorian built in the Italianate style in 1850, sits on over two acres across from the Schoharie River, overlooking the picturesque Oucongena mountain range. Located in the heart of the beautiful Schoharie Valley, the current owners are only the fourth family to call this architectural beauty home over its 175 years of existence. In its past lives, it was a family home to the Beekmans and a boarding house known as the Oucongena View from 1940 to 1970 before it became a primary residence again. After a lengthy restoration, the building has returned to its old glory and has been converted into a boutique bed & breakfast and social club. The expansive main house has six bedrooms and six and a half baths. In addition, two independent one-bedroom guest houses are attached to the main house, one on the first floor and another on the second, with separate entrances. The house is grand in scale, with epically high ceilings and tall windows. Still, with newly installed geothermal heating with a backup propane furnace and new insulation, it remains very efficient in energy consumption. The first floor has a large, modern country kitchen, a butler's pantry with a refrigerator, coffee bar, dishwasher, and a beautiful, spacious mudroom off the side entrance. Two stately parlors, both with wood-burning fireplaces, a dining room, a library, a powder room, and a first-floor bedroom suite complete the floor. A wide central hallway with Harlequin tiles has the main staircase leading upstairs to five bedrooms, five full baths, and the laundry room. Design details abound, like York wallpaper in the hallways, dovetail oak soft-close drawers and oak countertops in the kitchen, vintage tubs and sinks in wholly redone bathrooms, and antique mirrors. The original trim was matched where it was missing, and non-original additions, like non-structural walls that didn't belong, were removed entirely. Attention was not only turned toward the interiors - extensive work with the surrounding landscape has been completed over the past years. The side and back yards are now entirely fenced, with new perennial gardens and hedges planted around the whole house, interwoven with the property's older plants like Joan's peonies, iris, and roses. A vegetable garden and fruit orchard were planted in the back with frost-free faucets and lighting, and an herb garden was seeded outside the kitchen entrance.

Features

  • Parking: 6 Spots
  • Levels: 2
  • Heating: Electric,Other,Hot Water
  • Cooling: Yes
  • Approx Lot Sq. Feet: 100,188
  • Units: 2
  • Lot Size: 2.3 Acres
  • Year Built: 1850
  • Approx Sq. Feet: 5,300
  • Acreage: 2.3
  • MLS#: 151590
  • Days on Market: 92 days
  • Website: https://www.raveis.com
    /prop/151590/164riverstreet_middleburgh_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Four Seasons Sotheby's International Realty - Hudson

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Sarah AlvarezVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.Alvarez@Raveis.com

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164 River Street, Middleburgh, NY, 12122

$795,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah Alvarez

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.Alvarez@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $636,000 $636,000 $636,000
Term 360 months 360 months 180 months
Initial Interest Rate** 7.000% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.984% 7.146% 6.256%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,231 $4,227 $5,363
Total Monthly Payment $4,323 $4,319 $5,455

* 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.