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438 North Country Road, Smithtown (Saint James), NY, 11780 | $799,000
Welcome to 438 North Country Road, where charm, elegance, and functionality meet in this large, well-maintained 6 bedroom colonial. This single-family property, located in a desirable neighborhood, offers the perfect blend of modern amenities and classic features. Upon entering, you will be greeted by the beautiful round pegged hardwood flooring in the formal living room, which is adorned with crown molding. The formal dining room also features crown molding, providing a touch of sophistication. The expansive eat-in kitchen boasts ceramic tile flooring and offers convenient outdoor access through its separate entrance. The sunken family room, complete with French doors, is the perfect place to gather and relax. Cozy up next to the wood-burning fireplace and enjoy the warmth and ambiance it provides. This room also has its own separate entrance for added convenience. As you explore further, you will find a mudroom that provides direct access to the guest quarters and a full bathroom with a barrier-free shower. The second level of the home features a primary bedroom with an en-suite bathroom and a walk-in closet. Additionally, there are four additional bedrooms and another full bathroom with a separate vanity area. The walk-in attic provides ample storage space, and there is potential for expansion in the future. The full basement of this property houses the utilities, including a new oil tank and a separate Bosch hot water heater. A workbench and a wine cellar are also found in the basement, showcasing the versatility of the space. Additionally, there is plenty of storage throughout the home. The fully fenced yard offers privacy and security, thanks to the PVC fencing. The two-tier Trek deck provides an excellent space for outdoor entertaining or relaxation. Located in close proximity to nearby schools, parks, and restaurants, this home offers the convenience and amenities that families desire - also Zoning change may be an option for the professional
Features
- Town: Smithtown
- Rooms: 10
- Bedrooms: 6
- Baths: 2 full / 1 half
- Style: Colonial
- Year Built: 1967
- Garage: 2-car Attached
- Heating: Oil, Baseboard
- Cooling: Central Air
- Basement: Full
- Acreage: 0.43
- Est. Taxes: $12,395
- Lot Desc: Level
- Elem. School: St James Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- MLS#: 3559572
- Days on Market: 208 days
- Website: https://www.raveis.com
/prop/3559572/438northcountryroad_smithtown_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
438 North Country Road, Smithtown (Saint James), NY, 11780
$799,000
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 | $639,200 | $639,200 | $639,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
| Monthly Tax Payment | $1,033 | $1,033 | $1,033 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,253 | $4,199 | $5,390 |
| Total Monthly Payment | $5,378 | $5,324 | $6,515 |
* 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