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646 Ringgold Street, Peekskill, NY, 10566 | $579,000
Have you ever stepped into an environment and felt nothing but the kind of beautiful energy that holds you and you never want to let it go? Well, here it is; the very essence of home! Welcome to Harmony! This much loved, elegant and affordable home on a no through traffic street, in blue ribbon condition; simply sparkles! The spacious, flowing and versatile layout with three full levels of light and bright living space are sure to delight and accommodate everyone and everything. Property card says 1225 sq. ft. total. The first and second levels have 1225 sq ft each. This house but house has three levels of living space. Whether entertaining, working from home, a staycation, an evening of fun or quiet moments by the fireplace-LOOK NO MORE! Dreams do come true! Make yours a reality by owning this gem of a property. Enter foyer- living room w/gas fireplace, large picture window, dining area w/sliding glass door out to deck, dine in kitchen, full hall bath, master bathroom w/full bath, double closet; two more large bedrooms. Downstairs: fourth bedroom/home office/exercise room/studio, full hall bath, separate laundry room, huge bright and light recreation room w/door to yard and lots of storage space. Spiral stairs to finished lower level, studio, entertainment area w/good storage and Bilco door out. This level does not have a heat zone. Gleaming real hardwood floors as seen on level one and two. Hot water heater 5-6 years; Solar panels, 2019 are owned; $8000 owed ($139. 00 per month). In 2019, deck and individual Mitsubishi ductless cooling and heating units installed. Serviced in late 2023. Natural gas furnace, windows and roof 23 years old; serviced in 2023. New Range, 2023. Excluded: Stove burner cover and extra stove top cover. Hot water heater 5-6yrs, FPL serviced 2024. Alarm system and a generator hook up. Enjoy all that Peekskill and the scenic Hudson Valley has to offer; fine dining, the beautiful riverfront and only minutes from roadways highways and train travel.
Features
- Rooms: 8
- Bedrooms: 3
- Baths: 3 full
- Laundry: In Unit
- Style: See Remarks, Tri-Level
- Year Built: 2001
- Garage: 1-car Attached
- Heating: Natural Gas, Baseboard, Hot Water
- Cooling: Zoned
- Basement: Bilco Door(s), See Remarks, Walk-Out Access
- Approx Sq. Feet: 1,225
- Acreage: 0.15
- Est. Taxes: $13,592
- Lot Desc: Level, Near Public Transit, Cul-De-Sec
- Middle School: Peekskill Middle School
- High School: Peekskill High School
- School District: Peekskill
- Appliances: Dishwasher, Dryer, Oven, Refrigerator, Washer
- MLS#: H6293200
- Days on Market: 49 days
- Website: https://www.raveis.com
/prop/H6293200/646ringgoldstreet_peekskill_ny?source=qrflyer
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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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
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
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
646 Ringgold Street, Peekskill, NY, 10566
$579,000
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 | $463,200 | $463,200 | $463,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.125% | 6.990% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.867% | 7.159% | 6.538% |
| Monthly Tax Payment | $1,133 | $1,133 | $1,133 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,121 | $3,079 | $3,972 |
| Total Monthly Payment | $4,346 | $4,304 | $5,197 |
* 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