Value! Lovely studio with foyer, full separate kitchen and full updated bathroom. Under (newer) carpet are hardwood floors throughout, Arched door ways and 9-foot ceilings make this a gem. On site Maintenance crew are worth their weight in gold, and Surrey financials are the finest in Westchester. BBQ / Picnic Area is within and private with lush landscaping. Park benches and lamp posts along walk ways create a serene and bucolic community. Monthly Maintenance of $670.47 includes Heat, Water and Taxes and is 40% tax deductible. This is a Pet Friendly co-op allowing up to two dogs /cats. Immediate municipal parking down street as on site-garage parking ia about a year wait list. Common Laundry is between the Croydon and Dorset with new Surrey owned machines. Storage spaces upon avallability + secure bike room. ***DTI - 28% of net income or 33% Gross Income on housing, including mortgage payment and maintenance charges. FICO of 700 minimum. Income must equal 60 times MM plus 1 year loan payments and must have minimum of $15,000.00 savings after closing or adequate reserves if not working or retired.*** A true Gem!