Affordability Alert. The seller is offering a premier 2-1 Interest Rate Buydown buyer concession at closing. This exclusive structure lowers your mortgage rate by 2% in Year 1 and 1% in Year 2 making your payment on this Valley Cottage so much easier in the hardest years. Renovation opportunity on .79 acres in Water Mill Estates, one of Valley Cottage’s exclusive neighborhood settings. As you step inside this 1-level main living home, you will immediately notice the flawless gleam of newly polished, solid hardwood floors running throughout this expansive 4-bedroom residence. An inviting entry foyer with a double coat closet guides you into a formal, step-down living room showcasing soaring high ceilings and a large bow window that floods the space with natural light. Picture yourself hosting memorable gatherings in the true formal dining room, perfectly sized for an 8+ seating table. The layout is intelligently zoned, featuring a long, quiet hallway that creates a peaceful sense of separation between the vibrant living spaces and the quiet sleeping quarters. The primary bedroom serves as a private sanctuary, featuring a dedicated en-suite bathroom, and a spacious walk-in closet. Bedrooms 2, 3, and 4 are all generously sized, each equipped with custom double-closet organizing systems, sharing a renovated hall bathroom with dedicated linen closet. The lower level opens up into approximately 1,000 square feet of versatile bonus space finished with rich, real wood wall planking, complete with a full summer kitchen, an additional bathroom, and multiple dedicated storage rooms. Beyond the interior walls, you will imagine the ease of a lifestyle where premier outdoor recreation at Rockland Lake State Park is just moments away, offering championship golf, walking trails, and swimming. Excellent regional shopping and entertainment are within quick reach at the Palisades Center Mall, while seamless access to Route 287 (I-287) in both directions ensures an effortless daily commute. Frame your daily life with immediate peace of mind, knowing the home features an oversized, attached 2-car garage, a durable architectural-style shingle roof approximately 14 years old, a spacious eat-in kitchen with a smart, functional layout — ready for the buyer who wants to make it their own.. Gas-fired boiler powering hot water baseboards across 4 distinct zones, alongside central air conditioning to keep things refreshing during the warmer months. Imagine cozy winter evenings gathered in the warm, inviting family room, feeling the comforting warmth of a full-wall fireplace equipped with built-in ventilator fans that fill the heart of the home with extra heat. When the weather warms up, gently slide open the glass doors to transition seamlessly onto your deck. Enjoy summer barbecues, outdoor entertaining, or simply relaxing in quiet privacy amidst beautiful, mature landscaping. You can truly feel that this is more than just a house; it can be your home designed for a lifetime of memories.