Welcome to this spacious 2, 500 sf colonial home set on a three-quarter acre lot in the desirable Smithtown school district. This home offers a sunlit living room, formal dining room, den with wood burning fireplace, large eat-in-kitchen, powder room and mud room with laundry. On the second level, there are 5 bedrooms and 2 full baths, including a roomy primary bedroom with full bath and a large walk-in closet. There is also a full unfinished basement, providing plenty of room for storage, as well as a two car garage. And, the private yard is perfect for relaxation or entertainment. This home has oil heat, central air conditioning, 4 zone sprinkler system, whole house attic fan and generator. The new Peerless 2 zone boiler and Granby 275 gallon oil tank were installed in 2024, as was the roof which was replaced in June. The siding, gutters, Leaf Filter system and Generac Home Standby generator were installed in 2021, and the garage doors and washer/dryer are newer. This lovely home is located close to shopping, main roads, beaches and a mile from the municipal Smithtown Landing Country Club which offers a public 18-hole regulation golf course and pools. Don't miss this opportunity to tour this charming home. All it needs is your special touch !
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Our Executive Mortgage Banker:
Our Insurance Division:
$777,000
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 | $621,600 | $621,600 | $621,600 |
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 | $1,662 | $1,662 | $1,662 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,777 | $3,777 | $4,912 |
Total Monthly Payment | $5,531 | $5,531 | $6,666 |
* 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.