Welcome to your future home on the Nissequogue River in beautiful Smithtown! No need to ever leave when you can experience the Fall foliage from every window, with stunning unobstructed panoramic views of the river and protected wetlands and nature preserve. . . . . . This private and incredible property sits directly on a gorgeous and stately setting with direct river access right from your own backyard for fishing, kayaking and canoeing!! Quiet and, serene, this bird lover's paradise offers not just a home, but a lifestyle perfect for nature lovers and outdoor enthusiasts. Just shy an acre, minutes from the center of town and close to all, this super convenient location offers panoramic views which are the main focus for this ranch style home. Entertaining outdoors is easy with the new large exterior decking just perfect for gatherings and parties ! Expansive slate patio below also overlooks the stunning river views and runs the length of the house. . . . enjoy lounging on lazy afternoons in a glorious setting most dream about! As soon as you enter this gorgeous home with breathtaking setting, you are welcomed with a wall of windows overlooking this unique property. Huge master bedroom has en-suite bath and 2 closets overlooking the beautiful views and two additional bedrooms and another full bath on entry level. Large EIK is loaded with charm and character, with a brick wall, oak cabinets, built ins and a super nice cozy space. . . . . Bring your telescope to enjoy the bright and beautiful sun drenched room with wrap around windows and skylight. . . . . . watch the nature surrounding you in this glorious sunroom just next to the kitchen and across from spacious laundry room and oversized 2 car garage. Additional nice features include new wood floors. IGS and security system, Generac generator provides immediate power backup. Lower level encompasses 35 ft long additional den w/large windows overlooking the river, built in stereo and record player w/in-wall speakers and sound system wired throughout entire home, automatic power outdoor vertical shutters and brick fireplace recently converted to gas. There is also another full bath and a large office on lower ground level which can convert to 4th bedroom, plus a playroom/craft room with built-in storage. Additional storage room. Extensive brick and slate work on entire property. Home has been lovingly maintained by one owner, now make it your own!!!
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Our Executive Mortgage Banker:
Our Insurance Division:
$899,990
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 | $719,992 | $719,992 | $719,992 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.500% | 6.375% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.821% | 6.474% | 6.036% |
Monthly Tax Payment | $1,470 | $1,470 | $1,470 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,088 | $4,492 | $6,027 |
Total Monthly Payment | $5,650 | $6,054 | $7,589 |
* 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.