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Move right into this beautifully renovated 4-bedroom, 4-bath Cape Cod, nestled on a large lot in a quiet neighborhood near downtown Carmel. This charming home offers a perfect blend of modern upgrades and classic charm, featuring a sun-filled living room with a wood-burning fireplace, gleaming hardwood floors with two floor outlets, and tranquil views of nature. The updated open-concept kitchen is outfitted with high-quality cabinetry, granite countertops, stainless steel appliances, heated floors, and a convenient walkout to the deck—ideal for outdoor dining and entertaining. Main floor windows are "tilt-in" for easy cleaning. The first floor includes a convenient primary bedroom suite with a private bathroom, complete with heated floors and a heated towel rack. A second bedroom and a half hall bath are also located on the main level. Upstairs, you'll find two additional bedrooms and a full hall bath, plus a partial unfinished attic perfect for storage. The second floor also has many built in bookshelves. The finished basement (rec room) offers abundant space for entertainment and storage, including a large laundry room, half bath, and a workshop (converted from a garage) with a separate walkout entrance. The rec room has its own electric baseboard heating source. An interior perimeter drain system keeps the basement exceptionally dry. Recent upgrades include a brand new 200-amp electric service with new wiring, ductless mini-split for A/C and Heat, a Generac whole-house generator with automatic transfer switch, and new window shades throughout the main floor—among other thoughtful improvements. Excellent commuter location—close to highways, Metro-North train, shopping, and restaurants. The Rail Trail bike path and Centennial Golf Course are just around the corner, while Thunder Ridge Ski Area and several scenic state parks are only a short drive away.
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.
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Our Executive Mortgage Banker:
Our Insurance Division:
$575,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $460,000 | $460,000 | $460,000 |
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 | $1,152 | $1,152 | $1,152 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,908 | $3,022 | $3,851 |
Total Monthly Payment | $4,152 | $4,266 | $5,095 |
* 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.