Escape the ordinary and embrace lakeside living in this thoughtfully designed, move-in-ready cottage. Wake up to year-round lake views, spend your days at the private beach, and unwind with unforgettable sunsets from the comfort of home. Perfectly positioned across from Putnam Lake and a short walk to private Warren Beach, this isn’t just a home, it’s a front-row seat to nature’s most spectacular show. Tucked away on a quiet side street with only a handful of neighbors, the property offers a rare sense of privacy while still feeling connected. Whether you’re searching for a chic starter home, downsizing, or a weekend escape, this home offers a lifestyle that’s hard to replicate. Inside, the home welcomes you with warmth and character, centered around a floor-to-ceiling stone corner fireplace that creates an inviting gathering space. The updated kitchen is bright and functional, while the primary bedroom offers a peaceful retreat with lake views through a large picture window. Outside, the elevated yard sits above the street, creating a private setting for morning coffee, tea or quiet evenings under the stars overlooking the water. Beyond its charm, this home delivers peace of mind with significant recent upgrades, including a new septic system, well and pump, and high-efficiency HVAC with central air and heating, so the heavy lifting is already done. Best of all, exclusive lake and beach rights are included in the taxes with no additional HOA fees. Dedicated parking is located across the street, with additional parking nearby. Homes offering this combination of charm, year-round lake views, private beach access, and major upgrades at this price point are rarely available. Opportunities like this don’t come around often. Secure your summer escape or year-round retreat before it’s gone.
Single-familyProperty Type
1932Year Built
5,227 sq ftLot Size
$587Price/Sq.Ft.
Listing by Rachel Jones• Jason Mitchell Real Estate NY
Est. $1,637 per month, based on comparable rentals
Sale and tax history for 10 Waterford Rd
Sale History
Tax History
Date
Event
Price
OneKey® MLS as Distributed by MLS Grid #994128
Aug 12, 2026
Sold
$310,000
$587/sq ft
Jun 10, 2026
Pending
—
May 22, 2026
Price Changed
$300,000
$568/sq ft
May 7, 2026
Listed
$308,000
$583/sq ft
May 4, 2026
Coming Soon
$308,000
$583/sq ft
May 4, 2026
Listed
$308,000
$583/sq ft
OneKey® MLS as Distributed by MLS Grid #H6065166
Jan 22, 2021
Sold
$179,000
$339/sq ft
Oct 31, 2020
Pending
—
Aug 26, 2020
Listed
$185,000
$350/sq ft
Move right in to this perfect starter, downsizer, or weekend retreat, an adorable and tidy bungalow right across the street from Putnam Lake. The manicured hedgerow opens to the walkway & fenced in yard. The yard is a partially shaded slice of private paradise overlooking Putnam Lake where you will enjoy rights to a dock & private Warren Beach. Just 6 homes on the quiet side street with owners parking on a strip of land between the street & lake. The house & yard are set a few feet above the street providing great views of the lake. Enter the home to the living room with a stone corner fireplace & room for a dining set. Opposite the doorway is the kitchen with refrigerator & gas range. The master bedroom has sensational lake views through a picture window. The second bedroom & full bath complete the offering. High, partially vaulted ceilings add a sense of space. Storybook setting 100 yards to the entrance to the private beach. Taxes of $5,915 includes access to Warren Beach, no HOA. Additional Information: HeatingFuel:Oil Above Ground,
Year
Property tax
Land + Additions
Assessment*
2025
$8,358 (+1.1%)
$35,600 + $230,700
$266,300
2024
$8,263 (+1.4%)
$33,600 + $217,600
$251,200
2023
$8,150 (+4.4%)
$31,700 + $205,300
$237,000
2022
$7,807 (+1.8%)
$25,800 + $180,300
$206,100
2021
$7,667 (−25.1%)
$25,800 + $165,000
$190,800
2020
$10,237 (+0.7%)
$25,800 + $159,400
$185,200
2019
$10,171 (+3.2%)
$25,800 + $155,800
$181,600
2018
$9,859 (+75.8%)
$25,800 + $155,800
$181,600
2017
$5,609 (+0.8%)
$24,000 + $153,200
$177,200
2016
$5,562 (+0.3%)
$19,200 + $153,200
$172,400
2015
$5,548 (+0.9%)
$19,200 + $151,500
$170,700
2014
$5,501 (+26.2%)
$19,200 + $151,500
$170,700
2013
$4,360 (+5.6%)
$19,200 + $158,600
$177,800
2012
$4,129 (−19.5%)
$19,200 + $160,400
$179,600
2011
$5,129 (+184.2%)
$19,200 + $162,200
$181,400
2010
$1,805 (−1.0%)
$19,200 + $167,800
$187,000
2009
$1,823
$19,200 + $193,300
$212,500
Public record
Beds
2
Baths
1
Stories
1
Lot width
—
Lot depth
—
Lot size
5,227
Year renovated
1990
Sq. Ft.
528
Year built
1932
Style
Single Family Residential
County
Putnam County
APN
372400A03602300010310000000
Parking Spaces
—
Basement
Yes
Accessible
No
HOA Dues
—
Garage
No
Features
Views, Waterfront
Last updated by owner on Feb 15, 2026.
Property details
Parking
Parking Information
Carport YN: No
Parking Features: On Street
Interior
Fireplace Information
Has Fireplace
Fireplaces Total: 1
Heating & Cooling
Cooling: Central Air
Heating: Forced Air
Interior Features
Interior Features: High Ceilings
Appliances: Oven, Range, Refrigerator
Room Information
Basement YN: No
Attic: Crawl
Rooms Total: 4
Bathroom Information
Bathrooms Full: 1
Exterior
Exterior Features
Construction Materials: Frame, Other, Stone
Foundation Details: Other
Waterfront YN: Yes
Property Information
Living Area (Sq. Ft.): 528.00
Building Area Source: Public Records
Property Sub Type: Single Family Residence
Financial
Tax Information
Tax Year: 2025
Tax Source: Municipality
Tax Annual Amount: $8,357.81
Financial Information
Buyer Financing: Conventional
Utilities
Utility Information
Sewer: Septic Tank
Utilities: Trash Collection Private
Location
School Information
Elementary School: Contact Agent
Elementary School District: Contact Agent
Middle Or Junior School: Henry H Wells Middle School
Middle Or Junior School District: Brewster
High School: Brewster High School
High School District: Brewster
Location Information
Directions: GPS Friendly. Take Haviland Drive for 0.3 miles, then right onto Waterford Rd. House is on the left.
County Or Parish: Putnam County
Public facts
Beds: 2
Baths: 1.0
Sq. Ft.: 528
Stories: 1.0
Parking Spaces: —
Basement: Yes
Accessible: No
Lot Size: 5,227 square feet
Style: Single Family Residential
Year Built: 1932
Year Renovated: 1990
County: Putnam County
APN: 372400A03602300010310000000
HOA Dues: —
Garage: No
Features: Views, Waterfront
Home facts updated by owner on Feb 15, 2026
Around this home
Schools
John F Kennedy Elementary School
Public PreK-2 • Assigned • 3.5mi
Henry H Wells Middle School
Public 6-8 • Assigned • 3.7mi
6/10
Brewster High School
Public PreK-12 • Assigned • 3.4mi
5/10
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
6/10 Wind Factor
27% 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
Patterson, NY • 12563
Average low and high temperatures (°F)
33
19
36
21
53
33
62
42
69
51
80
60
86
68
80
60
76
56
66
46
53
36
38
23
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
85/ 100
Very good sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.3 hrs
4.9 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$289,000 – $350,000
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