Discover comfort and convenience in this charming Raised Ranch style home located in the Spackenkill School District. This 4 bedroom home offers a perfect blend of modern amenities and functional spaces for today's lifestyle. Step into the upper floor's spacious living room which flows seamlessly into the open kitchen (updated in 2016) and dining area, providing an ideal setup for gatherings and everyday living. Newly finished hardwood floors tie everything together. Retire to one of the three bedrooms and renovated full bath (2023), and enjoy easy access to the fenced-in backyard, complete with a sunroom and back deck, perfect for outdoor relaxation and entertaining. The lower level offers a versatile family room, an additional bedroom, and another full bath, alongside a convenient laundry area and workshop space. With central air, natural gas heat, and municipal water and sewer services, this home offers efficiency and ease of maintenance. Located close to schools, parks, and shopping, this property promises a lifestyle of comfort and convenience. Whether you're looking for a spacious family home or an investment opportunity, this is a must-see.
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$435,000
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 | $348,000 | $348,000 | $348,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.760% | 7.042% | 6.160% |
Monthly Tax Payment | $960 | $960 | $960 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,404 | $2,286 | $2,913 |
Total Monthly Payment | $3,439 | $3,321 | $3,948 |
* 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.