This charming ranch combines classic charm with modern updates to create a perfect blend of comfort and style. The home has lovely curb appeal with its timeless style, inviting you into the world of one-level living. Upon entering the house, you'll appreciate the nice slate floored entry/mud room area, an ideal spot for organizing outdoor gear. As you step inside, you'll find newly refinished hardwood flooring stretching through the main living spaces, offering a fresh, clean look that's also easy to maintain. The entire house has been freshly painted, providing a neutral canvas for your personal style and decor preferences. The spacious living room becomes the heart of the home, featuring a large picture window that floods the space with natural light, built-in bookcases and a cozy wood-burning fireplace for those chilly evenings. This area seamlessly opens to the formal dining room, creating an ideal layout for entertaining guests. The kitchen has been updated with new ceramic tile flooring, which pairs beautifully with the stainless appliances and new fixtures. The bathroom also boasts updated features, including a newly tiled tub/shower, flooring, vanity, and fixtures. Each of the three bedrooms offer ample closet space. For your storage needs, there's a one-car attached garage, offering access to the attic area. Furthermore, the house encompasses an enormous, full unfinished basement with a walkout door to the private backyard, providing potential for additional living space or storage. Outdoor living is also a part of this home's charm, featuring a back patio with a modern railing, where you can enjoy your morning coffee or entertain guests during warm summer evenings. The location of this home only adds to its appeal. It is conveniently situated close to shopping centers, restaurants, colleges, hospitals, and much more, ensuring your daily necessities and entertainment needs are always within reach. Another great feature is this home is within walking distance to the Dutchess County Rail Trail. Updates include: Fireplace heavywall liner system 2018, Windows replaced 2017, Kitchen remodeled 2017, Range & Dishwasher 2017, Refrigerator 2020, Bath remodel 2019, HW floors refinished 2024. Don't miss out on this timeless, affordable home!
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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 | $287,920 | $287,920 | $287,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $616 | $616 | $616 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,916 | $1,914 | $2,469 |
Total Monthly Payment | $2,607 | $2,605 | $3,160 |
* 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.