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A storybook white picket fence is the first thing to greet you at this charming 1910 farmhouse on a quiet cul de sac in the heart of the village of Cold Spring. Walkable to shops, restaurants and Metro North but tucked away on a side street, 4 Oak Street is as enticing an offering as they come. This 3BD, 3BA has been updated and well maintained. It is turn-key on a large lot with a driveway, garage/barn, gardens, privacy AND convenience. The kitchen was completely redesigned in 2019 with all new appliances, countertops, cabinets, floors, etc. The dining room, a perfect spot for entertaining, includes unique features such as a chamfered front window, original woodwork, and a built-in corner hutch. Access the office through the French doors or the front entry; it’s an ideal space for working from home. The two-story rear addition, added in 2000, provides the definition of a great room, with high ceilings, built-in bookshelves, and a gas fireplace; a full-length glass door with sidelights allows a view as well as access to the lovely porch, patio, side yard and garden. There is a full bath off the great room, an uncommon feature in homes of this age. Upstairs you’ll find the large primary suite with full bath and ample closets, as well as two additional bedrooms and full bath with both glassed-in shower and large soaking tub, all new. Nearby is the laundry room, with walk-up to the attic—there is no shortage of storage space. The mud-room off the driveway entrance is the perfect place for coats, boots, etc. This house utilizes every inch of its 2400+ sq ft. It’s the outside that truly sets this offering apart, with two porches and a sizeable yard with perennial beds, flowering trees and shrubs, and an herb garden for the aspiring chef. The garage/barn has an automatic door and large storage “hay loft” with aluminum attic ladder. If you have been looking for historical without the headache, this is the one. Private and peaceful yet close to all the Hudson Valley has to offer, this is the perfect place to live and enjoy Cold Spring.
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William Raveis Real Estate
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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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $694,400 | $694,400 | $694,400 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.625% | 6.625% | 6.125% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.663% | 6.751% | 6.309% |
Monthly Tax Payment | $1,249 | $1,249 | $1,249 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,997 | $4,446 | $5,907 |
Total Monthly Payment | $5,338 | $5,787 | $7,248 |
* 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.