Nestled in a peaceful Lake Carmel setting with seasonal partial lake views, this sun-filled 2 bedroom,1 bath A-frame cottage offers a warm retreat with vaulted ceilings, exposed wood beams, and refinished hardwood floors throughout. A wood-burning fireplace brings warmth and character to the living room, making it the heart of the home in every season. The updated bathroom features a soaking tub and rain shower. The eat-in kitchen is well-appointed with white cabinetry and a propane stove. The versatile second bedroom is located on the first floor off the kitchen, with private exterior access directly to the backyard — making it perfect as a guest room, home office, or creative studio. The fully fenced backyard features a deck, garden area, and shed — an ideal setup for outdoor living and entertaining. With lake rights just moments away and convenient access to I-84 and the Southeast/Brewster train stations, this property is a compelling opportunity as a full-time residence, weekend escape, or income property — blending charm, flexibility, and location in one solid offering.
Single-familyProperty Type
1945Year Built
6,000 sq ftLot Size
$394Price/Sq.Ft.
Listing by Rosalee Demchak• Exit Realty Connections
Est. $2,552 per month, based on comparable rentals
Sale and tax history for 175 Terry Hill Rd
Sale History
Tax History
Date
Event
Price
OneKey® MLS as Distributed by MLS Grid #970098
Sep 1, 2026
Sold
$385,000
$394/sq ft
May 29, 2026
Pending
—
Apr 21, 2026
Price Changed
$375,000
$384/sq ft
Mar 24, 2026
Listed
$359,000
$367/sq ft
OneKey® MLS as Distributed by MLS Grid #H6213095
Apr 11, 2023
Sold
$290,000
$297/sq ft
Feb 15, 2023
Pending
—
Jan 6, 2023
Relisted
—
Dec 30, 2022
Listing Removed
—
Dec 7, 2022
Price Changed
$294,999
$302/sq ft
Nov 21, 2022
Price Changed
$299,900
$307/sq ft
Oct 25, 2022
Price Changed
$309,999
$317/sq ft
Sep 30, 2022
Listed
$324,999
$333/sq ft
Tastefully renovated 2 bedroom cottage in the heart of Lake Carmel. Just minutes to everything. Home features vaulted ceiling with exposed beam, beautiful wood floors, large rear deck and level back yard, lake rights, town garbage, the list goes on. Why wait, come see all Lake Carmel has to offer! Additional Information: HeatingFuel:Oil Above Ground,
Public Records
Jul 26, 2022
Sold
$190,000
$194/sq ft
Public Records
Feb 10, 1997
Sold
$57,500
$59/sq ft
Public Records
Sep 19, 1981
Sold
$27,300
$28/sq ft
Year
Property tax
Land + Additions
Assessment*
2026
$12,680
$38,200 + $266,800
$305,000
2025
$12,680 (+19.5%)
$38,200 + $266,800
$305,000
2024
$10,613 (−4.7%)
$20,000 + $200,000
$220,000
2023
$11,141 (+140.2%)
$20,000 + $200,000
$220,000
2022
$4,638 (+1.0%)
$10,000 + $93,800
$103,800
2021
$4,592 (−41.7%)
$10,000 + $93,800
$103,800
2020
$7,871 (+3.1%)
$10,000 + $93,800
$103,800
2019
$7,633 (+3.3%)
$10,000 + $93,800
$103,800
2018
$7,388 (+76.2%)
$10,000 + $93,800
$103,800
2017
$4,193 (−40.5%)
$10,000 + $93,800
$103,800
2016
$7,045 (+68.6%)
$9,900 + $85,300
$95,200
2015
$4,178 (−1.3%)
$9,900 + $85,300
$95,200
2014
$4,235 (−2.2%)
$9,900 + $85,300
$95,200
2013
$4,330 (+1.2%)
$10,500 + $93,900
$104,400
2012
$4,280 (−1.4%)
$10,500 + $99,400
$109,900
2011
$4,340 (−5.1%)
$11,300 + $106,900
$118,200
2010
$4,572 (−7.1%)
$12,600 + $118,700
$131,300
2009
$4,919
$14,000 + $131,900
$145,900
Public record
Public record
Zoning
Beds
2
Baths
1
Stories
1.5
Lot width
60 ft.
Lot depth
100 ft.
Lot size
6,098 Sq. Ft.
Year renovated
2010
Sq. Ft.
891
Year built
1945
Style
Single Family Residential
County
Putnam County
APN
372200A02208200010170000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 28, 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
Carport YN: No
Parking Features: Driveway
Interior
Virtual Tour Information
Fireplace Information
Has Fireplace
Fireplaces Total: 1
Fireplace Features: Living Room
Heating & Cooling
Cooling: None
Heating: Hot Water, Oil
Interior Features
Interior Features: First Floor Full Bath,Beamed Ceilings,Cathedral Ceiling(s),Ceiling Fan(s),Eat-in Kitchen,Storage
Door Features: Storm Door(s)
Appliances: Oven, Range, Refrigerator, Water Purifier Owned
Flooring: Hardwood
Patio And Porch Features: Deck
Room Information
Basement YN: Yes
Attic: None
Rooms Total: 4
Basement: See Remarks, Storage Space
Bathroom Information
Bathrooms Full: 1
Exterior
Exterior Features
Exterior Features: Garden
Construction Materials: Aluminum Siding, Vinyl Siding
Fencing: Back Yard, Fenced, Vinyl, Wood
Other Structures: Shed(s)
Waterfront YN: No
Lot Information
Additional Parcels YN: No
Lot Features: Back Yard, Garden, Level, Near Public Transit, Views
Property Information
Living Area Source: Public Records
Living Area (Sq. Ft.): 977.00
Property Sub Type: Single Family Residence
Property Condition: Updated/Remodeled
Financial
Tax Information
Tax Year: 2025
Tax Source: Municipality
Tax Annual Amount: $9,710
Financial Information
Buyer Financing: VA
Utilities
Utility Information
Electric Company: NYSEG
Sewer: Septic Tank
Utilities: Cable Available, Electricity Connected, Propane, Trash Collection Public
Location
School Information
Elementary School District: Carmel
Middle Or Junior School District: Carmel
High School District: Carmel
Location Information
Directions: Route 311 to Terry Hill Rd
County Or Parish: Putnam County
Public facts
Beds: 2
Baths: 1.0
Sq. Ft.: 891
Stories: 1.5
Lot Size: 6,098 square feet
Style: Single Family Residential
Year Built: 1945
Year Renovated: 2010
County: Putnam County
APN: 372200A02208200010170000000
Home facts updated by county records on Sep 28, 2026
Around this home
Schools
Kent Primary School
Public K-4 • Assigned • 1.9mi
8/10
George Fischer Middle School
Public 5-8 • Assigned • 2.0mi
3/10
Carmel High School
Public 9-12 • Assigned • 2.9mi
7/10
Provided by GreatSchools
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
21% 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)
34
20
36
21
53
33
63
43
70
52
80
61
85
66
81
61
78
57
67
46
54
37
39
24
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
82/ 100
Very good sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.6 hrs
5.1 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$367,000 – $445,000
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