19 - 20 Lake Claire Drive, Middletown, NY, 10940 | $289,900

TWO FOR THE PRICE OF ONE! Escape the hustle and bustle of city life to enjoy nature at its finest. Situated on a private road within the Minisink Valley School District, this unique lakefront property offers 2 cozy cottages on one lot overlooking Lake Claire. Both homes are very well maintained with renovations done both inside and out. Cottage 1 welcomes you in to a sunny enclosed porch with Andersen picture window overlooking the lake, recessed lighting, hardwood flooring and charming brick accents with knotty pine trim throughout. The main living area offers a "walls of windows" bringing in endless amounts of natural light, providing the perfect space to sip your coffee while you take in the views. This 1 bedroom home offers everything from newer appliances, windows and doors as well as roof/gutters just to name a few. Stepping outside you will find your own private patio area where a simple set of table and chairs can provide a cozy space for outdoor dining. Ascending to the next terrace, you will come upon cottage 2. A large wraparound deck, which completely encompasses the home, invites you to entertain and enjoy from every angle. Inside, you will be awestruck by this home's ability to blend rustic charm with true loft style studio living. With vaulted ceilings and rafter beam architecture this home feels plenty larger than you would expect! The charm of wide plank hardwood floors and stacked stone wall accents will have you feeling right at home in your very own woodland cottage. Outside on the 3rd terrace, find additional yard space with plenty of room for play. Take a saunter down to the lake where you can enjoy a picnic or small bonfire while taking in the serene atmosphere. This property has deeded lake rights and direct access to the lake, so the pleasure is all yours! Each home has its own electric meter and septic system. Additionally, both septic tanks were recently replaced with new 500 gallon tanks. This property is an excellent option for those with an extended family looking for a move-in ready weekend getaway or anyone thinking about the possibilities of creating additional streams of income. Just minutes (in either direction) to shopping, medical facilities, public transportation and everything else you may need. This one-of-a-kind property is a rare find, see it today!

Features

  • Amenities: Other
  • Bedrooms: 2
  • Baths: 2 full
  • Style: Cottage
  • Year Built: 1940
  • Heating: Baseboard, Electric
  • Cooling: None
  • Basement: Crawl Space, Unfinished
  • Acreage: 0.86
  • Est. Taxes: $5,248
  • Lot Desc: Back Yard, Hilly, Views, Waterfront
  • View: Water
  • Water Front: Yes
  • Elem. School: Otisville Elementary School
  • Middle School: Minisink Valley Middle School
  • High School: Minisink Valley High School
  • School District: Minisink Valley
  • MLS#: 860089
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/860089/1920lakeclairedrive_middletown_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 Keller Williams Realty   Phone: 845-928-8000

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

19 - 20 Lake Claire Drive, Middletown, NY, 10940

$289,900

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 $231,920 $231,920 $231,920
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 $437 $437 $437
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,466 $1,524 $1,941
Total Monthly Payment $1,978 $2,036 $2,453

* 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.