New to market: A charming 2BR cottage on . 24 acres, located in the Historic District of South Jamesport and just minutes to sandy Peconic Bay beaches. The cottage features an open plan LR/DR with room for a baby grand piano. The LR/DR opens to screened and windowed porch with baseboard heating and 1930s details The cottage was expanded in 2011. The new wing includes a large, sunny chef's kitchen with a tiled, wood-burning oven, perfect for pizzas, baking and roasting. The eat-in-kitchen with Boos Butcher Block countertop island also has a pantry, 2 refrigerator/freezers, a gas cooktop and French-door wall ovens. The renovation also added a foyer, a work studio, laundry room and powder room to the cottage. The addition has radiant heat flooring. Additional energy efficiencies: 2021 solar panels, the current monthly electric bill, $17. 25. New roof, 2014. New septic 2021. New natural gas furnace and radiant boiler. Fully fenced yard has been chemical-free since 2010. Borders planted with mature hydrangea and perennials, Additional raised garden beds with drip irrigation. There is also an outdoor shower, a shingled shed and freestanding studio, heated and cooled with high efficiency heat pump, Floor plans & survey available.
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Our Executive Mortgage Banker:
Our Insurance Division:
$895,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $716,000 | $716,000 | $716,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.000% | 5.875% | 5.625% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.963% | 5.983% | 5.805% |
Monthly Tax Payment | $1,039 | $1,039 | $1,039 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,844 | $4,235 | $5,898 |
Total Monthly Payment | $4,974 | $5,365 | $7,028 |
* 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.