For sale

$599,900

Est. $4,577/mo —

Studio

•

— ba

•

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sq ft

10 Towners Rd #8, Carmel, NY 10512

About this home

WATERFRONT MIXED-USE INVESTMENT and/or Live Work OPPORTUNITY! Discover the unique potential of 8 & 10 Towners Road in Carmel, NY, featuring THREE LEGAL UNITS—TWO RESIDENTIAL UNITS AND ONE COMMERCIAL UNIT—situated directly on the shores of Lake Carmel with beautiful water views and direct lake access. #8 Towners Road features a COMMERCIAL OFFICE/RETAIL SPACE with multiple rooms, a GARAGE BELOW, and an additional FRAMED-OUT ROOM offering flexible possibilities for expansion, storage, or additional workspace. #10 Towners Road includes a TWO-BEDROOM APARTMENT, a separate GARAGE, and an additional ONE-BEDROOM APARTMENT. The lower level also features a SEPARATE ENTRANCE and was previously used as an apartment, offering additional potential. ALL UNITS ARE SEPARATELY METERED, INCLUDING THE BASEMENT, with electric heat throughout. This versatile property offers opportunities for an OWNER-USER, INVESTOR, RENTAL INCOME, or LIVE/WORK ARRANGEMENT. Enjoy the benefits of Lake Carmel living, including FIVE WELL-MAINTAINED BEACHES, a playground, walking path around the lake, and clubhouse. Convenient COMMUTER LOCATION with easy access to major roads and close to golf and local amenities. A truly distinctive WATERFRONT PROPERTY combining COMMERCIAL, RESIDENTIAL, AND RECREATIONAL OPPORTUNITIES in one location.

Multi-familyProperty Type

1940Year Built

0.54 acresLot Size

2 car garageParking

Listing by Angela Briante • Briante Realty Group, LLC

Listing by Jessica Briante • Briante Realty Group, LLC

Contact: 845-225-2020

Listing updated: Oct 24, 2026 at 06:58pm

Redfin checked: 2 minutes ago

•Source:OneKey® MLS as Distributed by MLS Grid #980288

Payment calculator

$4,577 per month

Principal and interest$3,274

Property taxes

$1,198

HOA dues

Home insurance

$105

Utilities

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Open houses

No upcoming open houses.

Nearby open houses (10)

OPEN SAT, 10AM TO 12PM3D WALKTHROUGH
$399,000
2 beds2 baths1,237 sq ft
1508 Eagles Ridge Rd, Brewster, NY 10509
$504 HOA • 2 parking spots • Community pool
Listing by eXp Realty
OPEN SAT, 11AM TO 3PM
$589,000
3 beds2.5 baths1,914 sq ft
4121 Fairways Dr #161, Carmel, NY 10512
$535 HOA • 2 garage spots • Community pool
Listing by Toll Brothers Real Estate Inc.
OPEN SAT, 12PM TO 2PM
$520,000
2 beds2 baths1,435 sq ft
343 Heritage Hls Unit C, Somers, NY 10589
$580 HOA • Garage • Community pool
Listing by eXp Realty
OPEN SAT, 12:30PM TO 2:30PM
$799,000
4 beds2.5 baths3,040 sq ft
37 Harvest Dr, Brewster, NY 10509
1.12 acre lot • 2 garage spots • Pool
Listing by William Raveis-New York LLC
REDFIN OPEN SUN, 11AM TO 1PM3D WALKTHROUGH
$775,000
3 beds3.5 baths3,096 sq ft
11 Quail Run Dr, Danbury, CT 06811
0.94 acre lot • 2 garage spots • Built 1995
OPEN SUN, 12PM TO 2PM
$899,000
4 beds2.5 baths2,911 sq ft
141 Jefferson Ct, Yorktown Heights, NY 10598
0.53 acre lot • 2 garage spots • Built 1971
Listing by Keller Williams Realty Partner
OPEN SUN, 12PM TO 2PM
$499,999
4 beds2 baths2,849 sq ft
161 Putnam Dr, Carmel, NY 10512
0.32 acre lot • Garage • Built 1955
Listing by Compass Greater NY, LLC
OPEN SUN, 12PM TO 2PM
$360,000
3 beds1 bath1,138 sq ft
54 Pine Ridge Dr, Hopewell Junction, NY 12533
0.9 acre lot • 7 parking spots • Built 1954
Listing by Patricia Schiller Real Est Co.
OPEN SUN, 12PM TO 2PM
$569,999
3 beds1.5 baths1,573 sq ft
1 Muller St, New Fairfield, CT 06812
0.25 acre lot • Garage • Built 1957
OPEN SUN, 1PM TO 3PM
$625,000
4 beds2.5 baths2,058 sq ft
3557 Kamhi Dr, Yorktown Heights, NY 10598
0.58 acre lot • 2 garage spots • Built 1955
Listing by Serhant LLC

Around this home

Schools

K - 12
Preschool & daycare

George Fischer Middle School

Public 5-8 • Assigned • 1.2mi

3/10

Carmel High School

Public 9-12 • Assigned • 1.6mi

7/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

10 Towners Rd #8 · $599,900

Strong offer

$600K and above

75% chance or better to win

Why $600K+ is a strong offer

DAYS ON MARKET

The average home goes pending in 42 days.

SALE-TO-LIST

Most homes are selling 3% above list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bedroom

Living

Dining

Interior features
Finished basement
Other interior features

Heating & cooling
Electric heating
Other heating
Wall/Window cooling unit(s)

Sale and tax history for 10 Towners Rd #8

Sale History
Tax History

Year

Property tax

Land + Additions

Assessment*

2026

$15,291 (−22.6%)

$109,200 + $365,800

$475,000

2025

$19,747 (−0.8%)

$109,200 + $365,800

$475,000

2024

$19,913 (−4.7%)

$29,700 + $383,100

$412,800

2023

$20,904 (+13.3%)

$29,700 + $383,100

$412,800

2022

$18,443 (+1.0%)

$29,700 + $383,100

$412,800

2021

$18,262 (−0.9%)

$29,700 + $383,100

$412,800

2020

$18,428 (+2.6%)

$29,700 + $383,100

$412,800

2019

$17,967 (+2.9%)

$29,700 + $383,100

$412,800

2018

$17,456 (+4.7%)

$29,700 + $383,100

$412,800

2017

$16,680 (−0.4%)

$29,700 + $383,100

$412,800

2016

$16,746 (+0.8%)

$29,400 + $349,300

$378,700

2015

$16,621 (−1.4%)

$29,400 + $349,300

$378,700

2014

$16,855 (−0.7%)

$29,400 + $349,300

$378,700

2013

$16,974 (−1.5%)

$30,300 + $372,200

$402,500

2012

$17,224 (+0.3%)

$30,300 + $412,000

$442,300

2011

$17,174 (+165.3%)

$32,600 + $443,000

$475,600

2010

$6,473 (−17.7%)

$34,700 + $471,300

$506,000

2009

$7,869

$37,700 + $512,300

$550,000

Public record

Beds

Baths

Stories

Lot width

233 ft.

Lot depth

100 ft.

Lot size

0.57 Acres

Year renovated

—

Finished Sq. Ft.

1,494

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,494

Year built

1940

Style

Multi-Family (2-4 Unit)

County

Putnam County

APN

372200A03306400010070000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Nov 11, 2026.

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

24% 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°

65°

46°

54°

37°

39°

24°

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

78/ 100

Good sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

8.9 hrs

5.1 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 10 Towners Rd #8

We cannot show automated home-value estimates for this home.

Nearby homes have recently sold between $575,000 and $740,000.

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $575K to $740K.

SOLD OCT 29, 2026
$625,000 Last sold price
3 beds1.5 baths1,728 sq ft
53 Harkin Rd, Carmel, NY 10512
Listing by Howard Hanna Rand Realty
24 years newer
SOLD OCT 19, 2026
$575,000 Last sold price
3 beds2 baths1,648 sq ft
32 Lacona Rd, Mahopac, NY 10541
Listing by Douglas Elliman Real Estate
smaller lot
27 years newer
no basement
SOLD APR 13, 2026
$735,000 Last sold price
4 beds2.5 baths2,564 sq ft
15 Lake Gilead Rd, Carmel, NY 10512
Listing by Houlihan Lawrence Inc.
larger lot
31 years newer
unfinished basement
SOLD OCT 9, 2026
$609,900 Last sold price
3 beds2.5 baths2,000 sq ft
326 Lovell St, Mahopac, NY 10541
Listing by Keller Williams Realty Partner
larger lot
28 years newer
SOLD AUG 26, 2026
$675,000 Last sold price
3 beds2 baths2,028 sq ft
21 Olympus Dr, Mahopac, NY 10541
Listing by Houlihan Lawrence Inc.
larger lot
35 years newer
SOLD AUG 3, 2026
$740,000 Last sold price
4 beds3 baths2,944 sq ft
138 Fairmont Rd, Mahopac, NY 10541
Listing by Real Broker NY LLC
26 years newer
no basement

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