6 Smith Terrace, Highland, NY, 12528 | $499,000

Discover the perfect blend of modern style, flexible living, and serene surroundings in this beautifully updated ranch-style home, ideally located in the scenic town of Highland. Offering 1, 728 sq ft of thoughtfully designed space, this 4-bedroom, 3-bathroom gem includes a fully legal 1-bedroom accessory apartment—making it as functional as it is stunning. From the moment you arrive, you’ll be impressed by the home’s fresh, contemporary façade—featuring brand-new windows, a spacious front deck, and multiple outdoor living areas perfect for morning coffee, weekend gatherings, or simply soaking in the peaceful vibe. Step inside to an open-concept layout drenched in natural light, where hardwood and tile flooring, wood-accented ceilings, and tasteful finishes create a warm and inviting atmosphere throughout. Every inch of this home has been designed with comfort and style in mind. The renovated kitchen is a true centerpiece, boasting sleek black cabinetry, butcher block countertops, open shelving, and brand-new stainless-steel appliances. Whether you're a culinary enthusiast or a casual cook, this space combines beauty with functionality. The adjacent dining area is framed by large windows and sliding glass doors, offering tranquil views and direct access to the front deck—perfect for al fresco dining. Need flexible living space? The newly added 1-bedroom accessory apartment features a separate entrance, kitchenette, and full bath—ideal for additional living space, guests, a home office, or potential rental income. Plus, it’s ready to be metered separately, giving you ultimate control and value. Two of the three bathrooms have been completely renovated with new plumbing, electrical, and on-trend fixtures. The third bath is move-in ready but offers a unique chance to add your personal touch. Enjoy two spacious decks, a partially level yard surrounded by mature trees, and plenty of space to entertain or relax in nature. A new French drain system ensures peace of mind, and the property is pre-wired for three mini-splits—making energy efficiency easy and attainable. Nestled in a residential neighborhood, you’ll enjoy quick access to local amenities, dining, shopping, hiking trails, and major commuter routes. Just minutes from the Mid-Hudson Bridge and everything the vibrant Hudson Valley has to offer.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full
  • Style: Contemporary, Ranch
  • Year Built: 1956
  • Heating: Baseboard, Oil
  • Cooling: None
  • Basement: Full, Unfinished
  • Approx Sq. Feet: 2,100
  • Acreage: 0.35
  • Est. Taxes: $10,110
  • View: Mountain(s)
  • Elem. School: Highland Elementary School
  • Middle School: Highland Middle School
  • High School: Highland High School
  • School District: Highland
  • Appliances: Dishwasher, Dryer, Oven, Refrigerator, Washer
  • MLS#: 849021
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /prop/849021/6smithterrace_highland_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of eXp Realty   Phone: 888-276-0630

William Raveis Family of Services

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888.699.8876

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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
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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

6 Smith Terrace, Highland, NY, 12528

$499,000

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 $399,200 $399,200 $399,200
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% 7.063% 6.132%
Monthly Tax Payment $843 $843 $843
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,490 $2,622 $3,342
Total Monthly Payment $3,407 $3,539 $4,259

* 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.