285 5th Street, Smithtown (Saint James), NY, 11780 | $674,999
Welcome to this beautifully renovated 3 Bedroom, 2 Bathroom Ranch that combines modern elegance with ultimate comfort. Situated on a meticulously maintained . 33-acre lot, this gem features a lush front yard, a 1-car attached garage, and incredible curb appeal. Inside, you’ll find a chef’s dream kitchen, complete with stunning granite countertops, stainless steel appliances, and vaulted ceilings, creating the perfect space to cook, entertain, and enjoy. The open flow from the kitchen into the spacious living room makes this home ideal for hosting guests or simply relaxing. Stay cool in the summer with central AC throughout, ensuring you’re always comfortable no matter the weather. The fully finished basement offers a cozy retreat, perfect for watching movies, playing games, or just unwinding. Plus, with a convenient laundry room and walk-out access to the backyard, everything you need is right at your fingertips. Step outside to your own private oasis—complete with an in-ground pool, fire pit, shed, and a small deck with a fully-equipped bar! Perfect for enjoying the sun, hosting summer get togethers, or simply lounging. In-ground sprinklers make maintaining your yard a breeze, while the upgraded oil tank adds peace of mind. Located in the highly sought-after Smithtown School District and just a stone's throw from Veterans Memorial Park, where you’ll find tennis courts, turf fields, and multiple playgrounds, this home offers the perfect balance of luxury, convenience, and relaxation. Don’t miss out—schedule your tour today and experience this stunning home for yourself!
Features
- Town: Smithtown
- Rooms: 8
- Bedrooms: 3
- Baths: 2 full
- Style: Ranch
- Year Built: 1958
- Garage: 1-car
- Heating: Baseboard, Oil
- Cooling: Central Air
- Basement: Finished, Full, Walk-Out Access
- Approx Sq. Feet: 1,351
- Acreage: 0.33
- Est. Taxes: $12,650
- Elem. School: Mills Pond Elementary School
- Middle School: Nesaquake Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Dishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer
- MLS#: 830390
- Days on Market: 10 days
- Website: https://www.raveis.com
/prop/830390/2855thstreet_smithtown_ny?source=qrflyer
William Raveis Family of Services
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Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.
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
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
285 5th Street, Smithtown (Saint James), NY, 11780
$674,999
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 | $539,999 | $539,999 | $539,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.007% | 7.050% | 6.152% |
| Monthly Tax Payment | $1,054 | $1,054 | $1,054 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,369 | $3,547 | $4,520 |
| Total Monthly Payment | $4,515 | $4,693 | $5,666 |
* 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