Big charm and even bigger potential, in a coveted location: Welcome to 190 Fair Street, a beautifully preserved multi-unit property in Uptown Kingston's Stockade District, featuring a large ground-floor professional office plus three spacious apartments. Built in the early 1900s by a local hardware-store owner, and lovingly maintained by the current sellers for almost 60 years, the stately residence exudes historic charm with original tear-drop shingles, French doors, leaded front-door transom lights, a beautifully carved newel post and spindles on the main staircase (one of four in the building), and other timeless features. The ground floor boasts a spacious professional space with no less than nine rooms, a half-bath, fireplace and its own central air-conditioning system. Formerly a medical office, this space offers flexibility and potential for various business ventures or creative uses. On the second floor is a stunning apartment with a large sunny living room, kitchen, office nook, bay-windowed bedroom plus both full and half bathrooms; and on the third floor, a charming garret apartment, also with a living room, bedroom, kitchen, bathroom and charming raftered studio space. The basement-level apartment feels like beautifully crafted ship's quarters, with black-smithed strap hinges on custom-built doors and bookcases, a cozy brick fireplace, and a remarkably preserved kitchen with vintage cabinetry and a wonderful double-basin farm-style sink. All four units are separately metered for electrical service and each features multiple points of entrance and egress, including a permanent fire escape for the third-floor unit. Recent updates to the building include a state-of-the-art high-efficiency natural-gas IBC boiler and hot-water heater (installed December 2023), and numerous replacement windows. The building also features an oversized and private backyard, ample off-street parking, and a 2-car detached garage with adjoining garden shed, all within a four-block walk of the shops, galleries, restaurants and historic landmarks that have made Uptown Kingston one of the hottest neighborhoods in the Hudson Valley.
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$799,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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** | 6.500% | 6.490% | 5.490% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.654% | 5.752% |
Monthly Tax Payment | $1,232 | $1,232 | $1,232 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,040 | $4,036 | $5,219 |
Total Monthly Payment | $5,364 | $5,360 | $6,543 |
* 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.