93 Hillside Avenue, Smithtown (Saint James), NY, 11780 | $649,900
This beautifully updated 4-bedroom, 2-bath Ranch sits on just under an acre of property, offering both charm and functionality. A paver walkway leads to a welcoming porch entrance, setting the stage for this inviting home. The eat-in kitchen, Farm Sink, featuring all updated appliances—including a propane-fueled gas stove and a trash compactor for composting—opens to a spacious, flat, and fully fenced backyard, perfect for outdoor enjoyment. One of the bathrooms features a Jacuzzi Air Tub and radiant heated floors for added comfort. The home has LED Lights throughout as well as Smart Bulb Wi-Fi lights in the Hallways. Owned solar panels provide incredible energy savings, keeping electricity costs approximately under $20 per month. The roof and solar panels are just 10 years young, offering peace of mind. For equestrian enthusiasts, the property can be permitted for one horse. Conveniently located near shopping, dining, parks, and beautiful beaches, this home offers the perfect blend of modern amenities and serene living.
Features
- Town: Smithtown
- Rooms: 7
- Bedrooms: 4
- Baths: 2 full
- Laundry: Electric Dryer Hookup, In Basement, Washer Hookup
- Style: Ranch
- Year Built: 1963
- Heating: Oil
- Cooling: Wall/Window Unit(s)
- Basement: Full, Unfinished
- Approx Sq. Feet: 1,850
- Acreage: 0.73
- Est. Taxes: $13,050
- Lot Desc: Back Yard, Level, Private
- Elem. School: Accompsett Elementary School
- Middle School: Great Hollow Middle School
- High School: Smithtown High School-East
- School District: Smithtown
- Appliances: Dishwasher, Dryer, Electric Oven, ENERGY STAR Qualified Appliances, Gas Range, Microwave, Refrigerator, Trash Compactor, Washer
- MLS#: 802947
- Days on Market: 9 days
- Website: https://www.raveis.com
/prop/802947/93hillsideavenue_smithtown_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
93 Hillside Avenue, Smithtown (Saint James), NY, 11780
$649,900
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 | $519,920 | $519,920 | $519,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.695% | 6.810% | 6.026% |
| Monthly Tax Payment | $1,088 | $1,088 | $1,088 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,993 | $3,329 | $4,317 |
| Total Monthly Payment | $4,173 | $4,509 | $5,497 |
* 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