Off Market Dec 2024 for $430K

$479,515

Est. refi paymentEst. refi $3,160/mo

•

1,248

sq ft

74 Cottage Rd, Carmel, NY 10512

About this home

A winning combo! Come for the vintage charm, buy for the value-adding upgrades. This dormered Cape Cod home with 3-4 BRs, 1.5 baths, a modern eat-in kitchen, laundry and full, largely finished basement sits on a quarter-acre+, corner lot overlooking Lake Carmel. Improved from top to bottom in past 9 years: roof reshingled; deck replaced; all exterior doors & first floor doors replaced; resilient flooring added; H/W on demand, whole-house water softener/filtration system, french drain, & sump pump added; well pump replaced; electrical upgraded to 200amp service; circuit breakers & generator outlet added. Gas BBQ, lawn tractor, two snow blowers & portable generator included in sale. Enjoy lake rights and views. Carmel Hamlet location provides easy access to local and big box shopping, MetroNorth commuter trains, easy I-84 access. Hard-to-beat value in a lovely and convenient lake-community setting. Additional Information: Amenities:Storage,HeatingFuel:Oil Above Ground,

Single-familyProperty Type

1960Year Built

0.27 acresLot Size

$384Est. Price/Sq.Ft.

Listing by Allison Jaffe • Key Real Estate Services, LLC

Contact: 718-577-5284

Bought with Dominick DiFilippo • Keller Williams Realty Partner

Bought with Samantha Cardillo • Keller Williams Realty Partner

Redfin checked: a minute ago

•Source:OneKey® MLS as Distributed by MLS Grid #H6328718

Redfin Estimate

$479,515

$50K since sold in December 2024$10K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 9.7% higher than the average sale price ($437K) of 6 comparable homes.

SOLD JUN 18, 2026
$500,000
A
3 beds1 bath1,220 sq ft
24 Homestead Dr, Carmel, NY 10512
Listing by Coldwell Banker Realty
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 JUL 21, 2026
$379,000
D
3 beds1 bath1,132 sq ft
60 Homestead Dr, Carmel, NY 10512
Listing by DeMarsh Properties Inc.
SOLD JAN 9, 2026
$475,000
E
3 beds1.5 baths1,072 sq ft
117 Cottage Rd, Carmel, NY 10512
Listing by Coldwell Banker Realty
SOLD FEB 9, 2026
$410,000
F
3 beds2 baths1,176 sq ft
38 Pleasant Dr, Carmel, NY 10512
Listing by Keller Williams Realty Partner

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Earn from this home

Sell

$115,906

Est. take-home

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Refinance

Est. cash available

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Rent

$3,058/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%

+0.5% MoM

Median sale price

$489K

$11K MoM

Avg. days on market

33d

4 days MoM

Recently sold homes

19 MoM

New listings for sale

3D WALKTHROUGH
$459,900
2 beds1.5 baths1,316 sq ft
5304 Applewood Cir, Carmel, NY 10512
Listing by eXp Realty
$1,595,000
3 beds3.5 baths2,360 sq ft
1114 Barrett Cir W, Carmel, NY 10512
Listing by Douglas Elliman Real Estate
$470,000
3 beds1.5 baths1,780 sq ft
15 Roslyn Rd, Carmel, NY 10512
Listing by Keller Williams Realty Partner
$899,000
5 beds3.5 baths3,772 sq ft
41 Lindy Dr, Carmel, NY 10512
Listing by RE/MAX Classic Realty
COMING SOON
$918,000
4 beds3.5 baths4,226 sq ft
276 Daisy Ln, Carmel, NY 10512
Listing by Compass Greater NY, LLC
$699,000
3 beds2.5 baths2,695 sq ft
88 Blair Hts, Carmel, NY 10512
Listing by Coldwell Banker Realty
$550,000
2 beds1.5 baths1,728 sq ft
811 Farmers Mills Rd, Carmel, NY 10512
Listing by Briante Realty Group, LLC
$610,000
3 beds2.5 baths2,400 sq ft
568 Farmers Mills Rd, Carmel, NY 10512
Listing by Houlihan Lawrence Inc.
$489,000
2 beds2.5 baths1,775 sq ft
10 Jay Ct, Carmel, NY 10512
Listing by Realty Promotions Inc
3D WALKTHROUGH
$920,000
4 beds2.5 baths3,442 sq ft
242 Seminary Hill Rd, Carmel, NY 10512
Listing by RE/MAX Prestige Properties
See all

Provided by Redfin

Sale history for 74 Cottage Rd

Date

Event

Price

OneKey® MLS as Distributed by MLS Grid #H6328718

Dec 10, 2024

Sold

$430,000

$345/sq ft

Oct 25, 2024

Pending

—

Sep 20, 2024

Listed

$389,900

$312/sq ft

Public Records

Feb 10, 2016

Sold

$245,300

$197/sq ft

HGMLS #4537111

Jan 13, 2016

Sold

$243,500

$195/sq ft

Jan 13, 2016

Price Changed

$243,500

$195/sq ft

Oct 27, 2015

Contingent

—

Oct 26, 2015

Price Changed

$249,500

$200/sq ft

Sep 24, 2015

Price Changed

$249,500

$200/sq ft

Aug 26, 2015

Price Changed

$275,000

$220/sq ft

Aug 11, 2015

Listed

$299,998

$240/sq ft

TURN THE KEY AND MOVE RIGHT IN! Completely renovated 4 BR CAPE in IMMACULATE condition! Brand new kitchen has all new appliances with open layout to freshly painted dining area. Door off kitchen leads to a large deck that is perfect for entertaining. Large living room boasts gleaming hardwood floors, plenty of sun-filled light, complemented by a newly refinished carriage door. Enjoy the beautiful sunset views in this pristine home. Gorgeous well manicured lawn, Nothing to do but move in! Central air conditioning, hardwood floors, freshly painted interior throughout. Full finished walk-out basement, with tons of storage space, washer/dryer and new above ground oil tank. A five minute stroll down the road leads you to picturesque Lake Carmel. Enjoy swimming, boating and all the walking paths and playgrounds this town has to offer to its residents! Shopping is less then a 10 minute drive away.

OneKey® MLS as Distributed by MLS Grid #H4537111

Jan 8, 2016

Sold

$243,500

$195/sq ft

Aug 10, 2015

Listed

$249,500

$200/sq ft

HGMLS #3203815

Mar 14, 2014

Price Changed

$205,000

$164/sq ft

Jul 25, 2012

Delisted

—

Jul 25, 2012

Sold

$205,000

$164/sq ft

May 2, 2012

Contingent

—

May 2, 2012

Price Changed

$225,000

$180/sq ft

Feb 6, 2012

Listed

$225,000

$180/sq ft

Public Records

Jan 18, 2013

Sold

$205,000

$164/sq ft

OneKey® MLS as Distributed by MLS Grid #H3203815

Jul 25, 2012

Sold

$205,000

$164/sq ft

Feb 6, 2012

Listed

$225,000

$180/sq ft

HGMLS #3102480

Jul 25, 2011

Delisted

—

May 16, 2011

Price Changed

Apr 14, 2011

Price Changed

Jan 26, 2011

Listed

Public Records

Apr 28, 1999

Sold

$144,000

$115/sq ft

Public Records

Jun 3, 1994

Sold

$162,000

$130/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$17,460 (+68.4%)

$50,100 + $369,900

$420,000

2024

$10,371 (−1.9%)

$15,000 + $193,700

$208,700

2023

$10,568 (+13.3%)

$15,000 + $193,700

$208,700

2022

$9,324 (+1.0%)

$15,000 + $193,700

$208,700

2021

$9,233 (−0.9%)

$15,000 + $193,700

$208,700

2020

$9,317 (+2.6%)

$15,000 + $193,700

$208,700

2019

$9,083 (+2.9%)

$15,000 + $193,700

$208,700

2018

$8,825 (+4.6%)

$15,000 + $193,700

$208,700

2017

$8,435 (−0.4%)

$15,000 + $193,700

$208,700

2016

$8,468 (+20.4%)

$14,900 + $176,600

$191,500

2015

$7,036 (−17.4%)

$14,900 + $176,600

$191,500

2014

$8,522 (+15.3%)

$14,900 + $176,600

$191,500

2013

$7,394 (+1.1%)

$15,900 + $194,100

$210,000

2012

$7,317 (−15.1%)

$15,900 + $205,100

$221,000

2011

$8,615 (+163.6%)

$17,100 + $220,500

$237,600

2010

$3,268 (+1.0%)

$18,400 + $237,100

$255,500

2009

$3,236

$20,000 + $257,700

$277,700

Tax history for 74 Cottage Rd

Year

Property tax

Land + Additions

Assessment*

2025

$17,460 (+68.4%)

$50,100 + $369,900

$420,000

2024

$10,371 (−1.9%)

$15,000 + $193,700

$208,700

2023

$10,568 (+13.3%)

$15,000 + $193,700

$208,700

2022

$9,324 (+1.0%)

$15,000 + $193,700

$208,700

2021

$9,233 (−0.9%)

$15,000 + $193,700

$208,700

2020

$9,317 (+2.6%)

$15,000 + $193,700

$208,700

2019

$9,083 (+2.9%)

$15,000 + $193,700

$208,700

2018

$8,825 (+4.6%)

$15,000 + $193,700

$208,700

2017

$8,435 (−0.4%)

$15,000 + $193,700

$208,700

2016

$8,468 (+20.4%)

$14,900 + $176,600

$191,500

2015

$7,036 (−17.4%)

$14,900 + $176,600

$191,500

2014

$8,522 (+15.3%)

$14,900 + $176,600

$191,500

2013

$7,394 (+1.1%)

$15,900 + $194,100

$210,000

2012

$7,317 (−15.1%)

$15,900 + $205,100

$221,000

2011

$8,615 (+163.6%)

$17,100 + $220,500

$237,600

2010

$3,268 (+1.0%)

$18,400 + $237,100

$255,500

2009

$3,236

$20,000 + $257,700

$277,700

*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

1.5

Lot width

125 ft.

Lot depth

94 ft.

Lot size

8,712 Sq. Ft.

Year renovated

2000

Sq. Ft.

1,352

Year built

1960

Style

Single Family Residential

County

Putnam County

APN

372200A03304300010130000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 17, 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 Features: Driveway

Interior

Heating & Cooling
Cooling: Central Air
Heating: Oil, Baseboard, Hot Water, Radiant, Steam

Interior Features
Interior Features: Ceiling Fan(s),First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Original Details,Walk-In Closet(s)
Window Features: Screens, Blinds
Laundry Features: Inside
Appliances: Tankless Water Heater, Dishwasher, Dryer, Microwave, Refrigerator, Washer
Levels: Two
Patio And Porch Features: Deck

Room Information
Basement YN: Yes
Attic: Partial,Unfinished
Rooms Total: 6
Basement: Partially Finished, Walk-Out Access

Bathroom Information
Bathrooms Full: 1
Bathrooms Half: 1

Exterior

Exterior Features
Exterior Features: Gas Grill
Construction Materials: Frame, Vinyl Siding
Fencing: Fenced
Other Structures: Shed(s), Outbuilding
Waterfront YN: Yes

Lot Information
Additional Parcels YN: No
Lot Features: Views, Corner Lot

Property Information
Stories: 2
Other Equipment: Lawn Maintenance Equipment, Satellite Dish
Living Area Source: Public Records
Property Sub Type: Single Family Residence
Property Condition: Actual

Financial

Tax Information
Tax Year: 2024
Tax Source: Municipality
Tax Annual Amount: $10,036

Financial Information
Buyer Financing: Conventional

Utilities

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

Location

School Information
Middle Or Junior School: George Fischer Middle School
High School: Carmel High School
High School District: Carmel

Location Information
Directions: Please use GPS for routes to 74 Cottage Road, Carmel 10512. Take MetroNorth to SouthEast station.
County Or Parish: Putnam County

Public facts

Beds: 3
Baths: 1.5
Sq. Ft.: 1,352
Stories: 1.5
Lot Size: 8,712 square feet
Style: Single Family Residential
Year Built: 1960
Year Renovated: 2000
County: Putnam County
APN: 372200A03304300010130000000

Home facts updated by county records on Jul 17, 2026

Around this home

Schools

George Fischer Middle School

Public 5-8 • Assigned • 1.3mi

3/10

Carmel High School

Public 9-12 • Assigned • 2.4mi

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

$456,000 – $552,000

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4 beds3.5 baths4,226 sq ft

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3 beds2.5 baths2,695 sq ft

88 Blair Hts, Carmel, NY 10512

Listing by Coldwell Banker Realty

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Listing by Briante Realty Group, LLC

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Listing by Houlihan Lawrence Inc.

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Listing by Realty Promotions Inc

Home values near 74 Cottage Rd

Data from public records.

Address	Redfin Estimate
88 Cottage Rd, Carmel, NY 1 Beds \| 1 Baths \| 1406 Sq. Ft.	$428,775
84 Cottage Rd, Carmel, NY 2 Beds \| 1 Baths \| 1160 Sq. Ft.	$435,334

Address	Redfin Estimate
58 Cottage Rd, Carmel, NY 4 Beds \| 2.5 Baths \| 1884 Sq. Ft.	$512,235
66 Cottage Rd, Carmel, NY 2 Beds \| 1 Baths \| 996 Sq. Ft.	$413,028

Address	Redfin Estimate
62 Cottage Rd, Carmel, NY 3 Beds \| 1.5 Baths \| 1958 Sq. Ft.	$456,597
63 Cottage Rd, Carmel, NY 3 Beds \| 2 Baths \| 2131 Sq. Ft.	$554,575

Property information provided by OneKey® MLS as Distributed by MLS Grid when last listed in 2024. 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 74 Cottage Rd

Tax history for 74 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 74 Cottage Rd

More real estate resources