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Lovingly maintained and cherished by the same family for over 54 years, this Harmon Village gem exudes timeless charm and lasting quality. Now offered for the first time, it’s ready for the next family to make it their own. This charming Harmon Village home features 2 bedrooms and 3 bathrooms, plus a bonus legal accessory apartment with 1 bedroom and 1 bath—perfect for guests, rental income, or multi-generational living. Ample driveway parking and a generously sized detached one-car garage provide both convenience and flexibility. The current floor plan offers great flexibility—maintain the existing layout or transform the upstairs into a spacious primary suite with an en-suite bath, two additional bedrooms, and a full hallway bath. You could also consider converting the basement into a legal accessory apartment for added rental income. The main level features an open-concept living room with a brick wood-burning fireplace, a kitchen, a dining room with sliders leading to the deck, a large bedroom, a laundry area, and a full bath with a shower. The upper level includes one bedroom and a bathroom with a tub. The fully finished basement offers an open-concept space with a sitting area and brick wood-burning fireplace, a family room, a library area with custom-built bookcases, and a bar. A bonus area provides endless possibilities—whether you envision a yoga space, gym, or game room, the potential is yours to create! The bonus upper-level accessory apartment features one bedroom, a full bath with a shower, a kitchen with an eat-in area, and a living room, providing an excellent opportunity for rental income. The flat backyard is perfect for entertaining, family gatherings, and giving the kids plenty of room to run around! If you know Croton, you’ll appreciate that Young Avenue is a quiet, highly sought-after street, just a short walk to the Train Station and Upper Village shops, bakeries, and restaurants. The beauty of Young Avenue is that you can walk to nearly everything, including the Croton Waterfront, featuring Senasqua Park and Sailing School, Croton Yacht Club, Croton Landing, Croton Point Park, Silver Lake/Beach, playgrounds, and hiking trails. Schedule a tour today before it’s too late!
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William Raveis Real Estate
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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 | $619,999 | $619,999 | $619,999 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.058% | 7.063% | 6.132% |
Monthly Tax Payment | $1,032 | $1,032 | $1,032 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,919 | $4,073 | $5,190 |
Total Monthly Payment | $5,043 | $5,197 | $6,314 |
* 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.