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197 Fulton Street, #16, Oyster Bay (Farmingdale), NY, 11735 | $435,000
Welcome to your new home in Elizabeth Ann Gardens, a peaceful 55+ community! This beautifully maintained second-floor condo is full of warmth, light, and comfort. Step inside and you'll immediately notice the abundance of natural sunlight pouring in through large windows, highlighting the brand-new floors and fresh paint throughout. The spacious living room features soaring vaulted ceilings that create an airy, open feel. The layout flows into the dining area and kitchen, where you’ll find plenty of room to cook, host, and enjoy life’s everyday moments. The en-suite primary bedroom offers a private bathroom, while the second bedroom is perfect for guests, a home office, or your creative space. Convenient in-unit laundry is tucked neatly in the hallway for ease and efficiency. Enjoy your private balcony for morning coffee or evening relaxation. Located minutes from Bethpage State Park, this condo offers not only a serene, move-in ready interior but also a welcoming community and access to nature. Bright, welcoming, and thoughtfully cared for—this is the home you’ve been waiting for!
Features
- Town: Oyster Bay
- Amenities: Parking
- Rooms: 5
- Bedrooms: 2
- Baths: 2 full
- Laundry: In Hall
- Style: Garden
- Year Built: 2002
- Heating: Baseboard
- Cooling: Wall/Window Unit(s)
- Approx Sq. Feet: 1,068
- Acreage: 0.83
- Est. Taxes: $6,486
- HOA Fee: $465 Monthly
- Lot Desc: Paved
- Adult Communities: Yes
- Elem. School: Northside Elementary School
- Middle School: Howitt School
- High School: Farmingdale Senior High School
- School District: Farmingdale
- Appliances: Dishwasher, Microwave, Refrigerator
- MLS#: 854439
- Days on Market: 5 days
- Website: https://www.raveis.com
/prop/854439/197fultonstreet_oysterbay_ny?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
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
197 Fulton Street, #16, Oyster Bay (Farmingdale), NY, 11735
$435,000
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 | $348,000 | $348,000 | $348,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.500% | 6.990% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.095% | 7.141% | 6.152% |
| Monthly Tax Payment | $541 | $541 | $541 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,200 | $2,313 | $2,913 |
| Total Monthly Payment | $2,815 | $2,928 | $3,528 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535