Welcome home! This spacious high ranch offers a versatile layout, an abundance of natural light, a deck for entertaining, and a sizable backyard. Best of all, the legal accessory apartment downstairs (with a separate entrance) makes this the perfect home with plenty of space for everyone. With 4 ample bedrooms and 2 bathrooms, all it needs is your personal touch! The home is freshly painted, features new lighting throughout, and has a brand new motorized garage door. Leased solar panels provide energy efficiency and additional cost savings. Upstairs, the gorgeous refinished hardwood floors shine, and you have a fabulous retro wood-burning fireplace, as well as the deck. You have direct access to the generously sized, level, and tidy backyard with plenty of room to install your dream pool and spa as well. Downstairs, the one bed/one bath apartment features a full kitchen, additional built in storage, and an outdoor patio. You'll enjoy the convenience and variety of numerous supermarkets, retail shops, and restaurants nearby, as well as major highways, public recreation centers, Stony Brook University Hospital and more - there's even a new dog park close by - this home has it all!!
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Our Executive Mortgage Banker:
Our Insurance Division:
$499,000
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 | $399,200 | $399,200 | $399,200 |
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 | $774 | $774 | $774 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,426 | $2,426 | $3,155 |
Total Monthly Payment | $3,275 | $3,275 | $4,004 |
* 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.