Does your checklist include energy efficiency, low-cost utilities, one level living, a 2-car garage, a full basement and a flat half acre? Welcome to 367 Smith Rd a mid-century center hall ranch with a flowing, airy and open floor plan. New kitchen design in 2021 includes quartz countertops and quality cabinetry. New roof and fully owned solar panels 2022, dual fuel heating with heat pump for central AC 2021/heat, plus family room extension from kitchen overlooking the yard. Lower level offers an addditional 400sf of space. Step outside to the neatly manicured lawn/gardens, block paver driveway, patio and above ground pool. Small no thru traffic neighborhood of cul-de-sac streets with under 50 homes known as Gomer Ridge was mostly built by the Boniellos in the early 60s. Location is key with easy access to Rt 35/202, Rt 6 and the Taconic State Pkwy. Explore the Yorktown trail system with miles of new trails. Also, several farms, Turkey Mountain and the North County Trail run through the town. This level property backs up to greenspace and is nicely set offering privacy and relaxation. Run don't walk to see this one!
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Our Executive Mortgage Banker:
Our Insurance Division:
$659,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.494.1459
Vincent.DiMella@raveis.com
NMLS Mortgage Loan Originator ID 24240
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $527,200 | $527,200 | $527,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.483% | 6.273% | 5.268% |
Monthly Tax Payment | $1,177 | $1,177 | $1,177 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,203 | $3,203 | $4,166 |
Total Monthly Payment | $4,472 | $4,472 | $5,435 |
* 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.