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4108 State Route 9G, Germantown, NY, 12526 | $399,999
This sale consists of two homes and sits on over 2. 5 acres of private land and includes a 4-bedroom main house, a legal 1-bedroom cottage, and a separate structure with a hot tub, offering the perfect blend of comfort, relaxation, and income potential. The main home was completely renovated in 2017, featuring new plumbing, electric, a 200-amp main panel, heating system, mini-split units, roof, and well. Inside, an open floor plan, modern finishes, and plenty of natural light make it feel warm and inviting. Step onto the large deck and take in the peaceful surroundings, including a pond in the backyard. The separate 1-bedroom cottage has its own entrance, full kitchen, and comfortable living space, making it ideal for rental income, extended family, or guests. A dedicated hot tub house provides a private retreat to unwind year-round, adding to the property's unique appeal. Plus, the property is zoned for a third unit, giving you extra income potential or room to expand. A rare opportunity to own a versatile home with endless possibilities—whether you’re looking for a peaceful escape or a smart investment, this property delivers.
Features
- Bedrooms: 5
- Baths: 3 full
- Style: Ranch
- Year Built: 1950
- Heating: Oil
- Cooling: Ductless
- Basement: Unfinished
- Acreage: 2.5
- Est. Taxes: $5,384
- Lot Desc: Back Yard
- Elem. School: Germantown Elementary School
- Middle School: Germantown Junior-Senior High School
- High School: Germantown Junior-Senior High School
- School District: Germantown
- MLS#: 825360
- Days on Market: 53 days
- Website: https://www.raveis.com
/prop/825360/4108stateroute9g_germantown_ny?source=qrflyer
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
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Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 1880936
347.223.0992
Sarah.DeFlorio@Raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
4108 State Route 9G, Germantown, NY, 12526
$399,999
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Sarah DeFlorio
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.DeFlorio@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 | $319,999 | $319,999 | $319,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.750% | 7.125% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.173% | 7.316% | 6.550% |
| Monthly Tax Payment | $449 | $449 | $449 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,076 | $2,156 | $2,744 |
| Total Monthly Payment | $2,600 | $2,680 | $3,268 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535