4 Charlotte Lane, Middletown (Mount Hope), NY, 10940 | $489,900

Welcome to this charming Cape Cod-style home, offering three bedrooms and two and a half baths, situated on a beautiful corner lot in a desirable neighborhood. The property is enhanced by meticulous landscaping and undeniable curb appeal. A spacious driveway leads to an attached two-car garage, and there's an additional shed for extra storage. Solar panels are a great addition to the home which are leased. As you step into the foyer, you'll find yourself in the inviting eat-in kitchen, equipped with stainless steel appliances. The kitchen's large windows by the sink allow plenty of natural light to fill the space, creating a bright and airy atmosphere. Just off the kitchen, a generous deck provides the perfect spot for relaxation, overlooking a fenced-in yard complete with a fire pit ideal for gatherings with family and friends. The home features a large formal living room and dining room, with a cozy family room that includes a wood-burning stove, perfect for chilly winter nights. Hardwood floors are found in select areas, adding warmth and character to the home. Upstairs, a landing area leads to two bedrooms, each offering comfortable living space. The spacious primary suite is a true retreat, featuring an en suite bathroom, a large walk-in closet, and a cozy reading nook. The attic spans the length of the home and is fully floored with plywood, providing ample storage space. Additionally, the unfinished basement offers even more room for storage or future finishing. Conveniently located, this home offers easy access to major commuter highways, shopping, dining, and Crystal Run Healthcare. Nearby attractions include the new Legoland Theme Park and the beautiful Catskills, perfect for weekend getaways. This home is a perfect blend of comfort, convenience, and charm welcome home!

Features

  • Town: Middletown
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Style: Cape Cod
  • Year Built: 2000
  • Garage: 2-car Attached
  • Heating: Oil, Baseboard
  • Cooling: Window Unit(s)
  • Basement: Unfinished, Walk-Out Access
  • Approx Sq. Feet: 1,960
  • Acreage: 0.96
  • Est. Taxes: $9,280
  • Lot Desc: Corner Lot, Near Public Transit
  • Elem. School: Otisville Elementary School
  • Middle School: Minisink Valley Middle School
  • High School: Minisink Valley High School
  • School District: Minisink Valley
  • Appliances: Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer
  • MLS#: H6325248
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/H6325248/4charlottelane_middletown_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of BHHS Gross & Jansen   Phone: 845-9867005

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Sarah AlvarezVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.Alvarez@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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4 Charlotte Lane, Middletown (Mount Hope), NY, 10940

$489,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah Alvarez

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 $391,920 $391,920 $391,920
Term 360 months 360 months 180 months
Initial Interest Rate** 7.375% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.708% 7.133% 6.256%
Monthly Tax Payment $773 $773 $773
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,707 $2,605 $3,305
Total Monthly Payment $3,555 $3,453 $4,153

* 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.