Off Market Aug 2023 for $399K

$516,649

Est. refi paymentEst. refi $2,620/mo

•

1,978

sq ft

138 Cottage Rd, Carmel, NY 10512

About this home

WELCOME TO THE LAKE!!! Don't miss this front porch Colonial Home on quiet street in Lake Carmel, enjoy the beautiful views and lake rights to private beach for swimming, fishing & boating. Move right into this freshly painted 3 Bedroom plus den, 2 baths, (1 Full, 1-1/2 that could easily be converted to a 2nd full bath) Eat-in kitchen with entrance to large 3 season screened in rear porch which leads to a spacious deck. HUGE Living room with large bay windows which add extensive natural lighting to this home, large entry flows into a formal dining area with bay window overlooking private back yard. Additional room on main level for office/den/guest area or exercise space. Unfinished large walkout basement with private laundry, 1 car attached garage and driveway for ample parking. Public Garbage, Deeded Lake rights to enjoy all Lake Carmel has to offer! Conveniently located near, Stores, Schools, Bike Path, Highways and More!!! Updates- New Roof, New Stone Entry w/extended Driveway & Trex Deck 2018. Brand New Septic being installed by mid-June. Taxes do not include basic star of $1,092 Additional Information: HeatingFuel:Oil Below Ground,ParkingFeatures:1 Car Attached,

Single-familyProperty Type

1938Year Built

0.29 acresLot Size

$261Est. Price/Sq.Ft.

1 spaceParking

Listing by Jacqueline Calhoun • Coldwell Banker Realty

Listing by Aimee Orlowski • Coldwell Banker Realty

Contact: (914) 774-4454

Bought with Shpresa Camaj • Real Broker NY LLC

Bought with Robert Grishaj • Real Broker NY LLC

Redfin checked: a minute ago

•Source:OneKey® MLS as Distributed by MLS Grid #H6227743

Redfin Estimate

$516,649

$118K since sold in August 2023$12K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 10.5% higher than the average sale price ($467K) of 5 comparable homes.

SOLD SEP 4, 2026
$440,000
A
3 beds1.5 baths1,496 sq ft
20 Heathcote Rd, Carmel, NY 10512
Listing by Briante Realty Group, LLC
SOLD SEP 1, 2026
$374,000
B
3 beds2 baths1,856 sq ft
306 Towners Rd, Carmel, NY 10512
Listing by Compass Greater NY, LLC
SOLD JUN 23, 2026
$483,800
C
3 beds2 baths1,792 sq ft
5 Lockwood Rd, Carmel, NY 10512
Listing by BHG RE Shore & Country Prop.
SOLD AUG 28, 2026
$449,000
D
3 beds2 baths1,582 sq ft
12 Bradhurst Rd, Carmel, NY 10512
Listing by Briante Realty Group, LLC
SOLD APR 13, 2026
$590,000
E
3 beds1.5 baths2,020 sq ft
97 W Lakeshore Dr, Carmel, NY 10512
Listing by eXp Realty

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Earn from this home

Sell

$183,909

Est. take-home

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Refinance

Est. cash available

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Rent

$3,229/mo

Redfin rental estimate

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Market trends in 10512, NY

Last updated August 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

101.2%

+0.0% MoM

Median sale price

$513K

$24K MoM

Avg. days on market

30d

3 days MoM

Recently sold homes

9 MoM

New listings for sale

$600,000
5 beds4 baths3,150 sq ft
570 Route 52, Carmel, NY 10512
Listing by Compass Greater NY, LLC
OPEN SUN, 11AM TO 2PM
$499,000
3 beds2 baths1,620 sq ft
36 Haviland Rd, Carmel, NY 10512
Listing by Keller Williams NY Realty
COMING SOON
$999,000
3 beds3.5 baths4,152 sq ft
161 Crane Rd, Carmel, NY 10512
Listing by Giner Real Estate Inc.
NEW 26 HRS AGO
$860,000
3 beds1.5 baths1,626 sq ft
104 Old Forge Dr, Carmel, NY 10512
Listing by Briante Realty Group, LLC
REDFIN OPEN SUN, 12PM TO 2PM
$540,000
2 beds1.5 baths1,776 sq ft
10 Holland Dr, Carmel, NY 10512
Listing by Redfin Real Estate
OPEN SAT, 11AM TO 1PM
$719,000
3 beds2 baths2,723 sq ft
17 Tiger Trl W, Carmel, NY 10512
Listing by McGrath Realty Inc
$350,000
2 beds1 bath1,116 sq ft
8 Huntington Rd, Carmel, NY 10512
Listing by Call it Closed Intl. Realty
OPEN SAT, 1PM TO 3PM
$325,000
1 bed1 bath625 sq ft
72 N Knapp Ct, Hopewell Junction, NY 12533
Listing by Compass Greater NY, LLC
$409,000
2 beds2 baths1,589 sq ft
12 Montrose Dr, Carmel, NY 10512
Listing by Houlihan Lawrence Inc.
$349,000
2 beds2 baths1,139 sq ft
606 Drew Ln, Carmel, NY 10512
Listing by Coldwell Banker Realty
See all

Provided by Redfin

Sale history for 138 Cottage Rd

Date

Event

Price

OneKey® MLS as Distributed by MLS Grid #H6227743

Aug 8, 2023

Sold

$399,000

$202/sq ft

Jun 8, 2023

Pending

—

May 24, 2023

Price Changed

$415,000

$210/sq ft

Apr 20, 2023

Relisted

—

Apr 20, 2023

Price Changed

$425,000

$215/sq ft

Mar 15, 2023

Price Changed

$450,000

$228/sq ft

Mar 3, 2023

Listed

$475,000

$240/sq ft

Feb 24, 2023

Coming Soon

$475,000

$240/sq ft

OneKey® MLS as Distributed by MLS Grid #H4616394

May 23, 2017

Sold

$235,000

$119/sq ft

Aug 29, 2016

Contingent

—

Apr 17, 2016

Listed

$240,000

$121/sq ft

HGMLS #4554028

Apr 1, 2016

Delisted

—

Jan 27, 2016

Price Changed

Jan 22, 2016

Price Changed

Dec 21, 2015

Listed

OneKey® MLS as Distributed by MLS Grid #H4554028

Mar 31, 2016

Listing Removed

—

Dec 21, 2015

Listed

$245,000

$124/sq ft

Public Records

Dec 23, 2005

Sold

$300,000

$152/sq ft

HGMLS #2517142

Oct 28, 2005

Delisted

—

Oct 28, 2005

Price Changed

$152/sq ft

Jul 12, 2005

Listed

$149/sq ft

HGMLS #2510203

Jul 10, 2005

Delisted

—

May 4, 2005

Listed

Public Records

Jul 1, 1996

Sold

$120,000

$61/sq ft

** Price available after signing in.

Year

Property tax

Land + Additions

Assessment*

2026

$17,253

$54,100 + $360,900

$415,000

2025

$17,253 (+67.9%)

$54,100 + $360,900

$415,000

2024

$10,275 (−4.7%)

$16,700 + $196,300

$213,000

2023

$10,786 (+13.3%)

$16,700 + $196,300

$213,000

2022

$9,516 (+1.0%)

$16,700 + $196,300

$213,000

2021

$9,423 (−0.9%)

$16,700 + $196,300

$213,000

2020

$9,509 (+2.6%)

$16,700 + $196,300

$213,000

2019

$9,271 (+2.9%)

$16,700 + $196,300

$213,000

2018

$9,007 (+4.7%)

$16,700 + $196,300

$213,000

2017

$8,606 (+18.5%)

$16,700 + $196,300

$213,000

2016

$7,264 (+0.8%)

$16,500 + $178,900

$195,400

2015

$7,208 (−17.1%)

$16,500 + $178,900

$195,400

2014

$8,695 (+14.8%)

$16,500 + $178,900

$195,400

2013

$7,573

$17,600 + $196,700

$214,300

2012

$7,570 (−15.8%)

$17,600 + $208,000

$225,600

2011

$8,988 (+163.5%)

$19,300 + $228,600

$247,900

2010

$3,411 (+1.0%)

$20,700 + $245,900

$266,600

2009

$3,377

$22,500 + $267,300

$289,800

Tax history for 138 Cottage Rd

Year

Property tax

Land + Additions

Assessment*

2026

$17,253

$54,100 + $360,900

$415,000

2025

$17,253 (+67.9%)

$54,100 + $360,900

$415,000

2024

$10,275 (−4.7%)

$16,700 + $196,300

$213,000

2023

$10,786 (+13.3%)

$16,700 + $196,300

$213,000

2022

$9,516 (+1.0%)

$16,700 + $196,300

$213,000

2021

$9,423 (−0.9%)

$16,700 + $196,300

$213,000

2020

$9,509 (+2.6%)

$16,700 + $196,300

$213,000

2019

$9,271 (+2.9%)

$16,700 + $196,300

$213,000

2018

$9,007 (+4.7%)

$16,700 + $196,300

$213,000

2017

$8,606 (+18.5%)

$16,700 + $196,300

$213,000

2016

$7,264 (+0.8%)

$16,500 + $178,900

$195,400

2015

$7,208 (−17.1%)

$16,500 + $178,900

$195,400

2014

$8,695 (+14.8%)

$16,500 + $178,900

$195,400

2013

$7,573

$17,600 + $196,700

$214,300

2012

$7,570 (−15.8%)

$17,600 + $208,000

$225,600

2011

$8,988 (+163.5%)

$19,300 + $228,600

$247,900

2010

$3,411 (+1.0%)

$20,700 + $245,900

$266,600

2009

$3,377

$22,500 + $267,300

$289,800

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

Baths

1.5

Stories

Lot width

120 ft.

Lot depth

105 ft.

Lot size

9,583 Sq. Ft.

Year renovated

1995

Sq. Ft.

1,978

Year built

1938

Style

Single Family Residential

County

Putnam County

APN

372200A03302600010060000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 14, 2026.

R10

Residential District

This district recognizes and is intended to preserve the principally single-family residential development pattern within the Town's established neighborhoods by promoting continuing opportunity for single-family residential and smaller-scale institutional and community facility uses within these neighborhoods consistent with their established character.

Permitted uses

Include but are not limited to:

Housing-Single unit

Property details

Parking

Parking Information
Parking Total: 1
Parking Features: Attached, Driveway

Interior

Heating & Cooling
Cooling: Wall/Window Unit(s)
Heating: Baseboard, Hot Water, Oil

Interior Features
Interior Features: Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Formal Dining,First Floor Bedroom,Walk Through Kitchen
Laundry Features: Inside
Appliances: Dryer, Electric Water Heater, Refrigerator, Washer
Flooring: Hardwood
Levels: Two

Room Information
Basement YN: Yes
Attic: Pull Stairs
Rooms Total: 8
Basement: Unfinished, Walk-Out Access
Additional Rooms: Office

Bathroom Information
Bathrooms Full: 1
Bathrooms Half: 1

Exterior

Exterior Features
Exterior Features: Mailbox
Construction Materials: Frame, Vinyl Siding
Other Structures: Workshop
Waterfront YN: Yes

Lot Information
Additional Parcels YN: No
Lot Features: Level, Near Public Transit, Near School, Near Shops, Views

Property Information
Stories: 2
Living Area Source: Public Records
Property Sub Type: Single Family Residence
Property Condition: Actual

Financial

Tax Information
Tax Year: 2023
Tax Source: Municipality
Tax Annual Amount: $9,516

Financial Information
Buyer Financing: Conventional

Utilities

Utility Information
Electric Company: NYSEG
Sewer: Septic Tank
Utilities: Trash Collection Public

Location

HOA Information
Association Amenities: Park

School Information
Elementary School: Kent Primary
Middle Or Junior School: George Fischer Middle School
High School: Carmel High School
High School District: Carmel

Location Information
Directions: Rt 311 to Terry Hill to Lake Shore to Cottage. House on left.
County Or Parish: Putnam County

Community Information
Community Features: Park

Public facts

Beds: 3
Baths: 1.5
Sq. Ft.: 1,978
Stories: 2.0
Lot Size: 9,583 square feet
Style: Single Family Residential
Year Built: 1938
Year Renovated: 1995
County: Putnam County
APN: 372200A03302600010060000000

Home facts updated by county records on Sep 14, 2026

Around this home

Schools

George Fischer Middle School

Public 5-8 • Assigned • 1.6mi

3/10

Carmel High School

Public 9-12 • Assigned • 2.7mi

7/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

4/10 Heat Factor

7 days above 96° expected this year, 15 days in 30 years

4/10 Wind Factor

18% chance of strong winds in next 30 years

3/10 Air Factor

2 unhealthy days expected this year, 3 days in 30 years

Provided by First Street

Historical weather

Carmel, NY • 10512

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 8.7 hours in June and 4.2 hours in December, placing it below the U.S. average for solar exposure.

8.7 hrs

4.2 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$491,000 – $595,000

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Nearby similar homes

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Listing by Call it Closed Intl. Realty

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Listing by Compass Greater NY, LLC

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Home values near 138 Cottage Rd

Data from public records.

Address	Redfin Estimate
145 Cottage Road, Carmel, NY 2 Beds \| 1 Baths \| 720 Sq. Ft.	$252,852
143 Cottage Road, Carmel, NY 2 Beds \| 1 Baths \| 780 Sq. Ft.	$312,619

Address	Redfin Estimate
139 Cottage Road, Carmel, NY 2 Beds \| 1 Baths \| 1254 Sq. Ft.	$508,828
135 Cottage Road, Carmel, NY 3 Beds \| 2 Baths \| 1748 Sq. Ft.	$490,456

Address	Redfin Estimate
142 Cottage Road, Carmel, NY 2 Beds \| 1 Baths \| 832 Sq. Ft.	$392,240
146 Cottage Road, Carmel, NY 2 Beds \| 1 Baths \| 960 Sq. Ft.	$391,386

Property information provided by OneKey® MLS as Distributed by MLS Grid when last listed in 2023. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 10512, NY

Sale history for 138 Cottage Rd

Tax history for 138 Cottage Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 10512

Home values near 138 Cottage Rd

More real estate resources