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Presented by
Jason L. Mehler |
Welcome to 8 Garrett Place — a solid, well-maintained Cape Cod tucked on a quiet, tree-lined street right in the heart of Carmel. This is the kind of home where the heavy lifting has already been done, leaving you free to move in, settle in, and grow into the space at your own pace. The main level welcomes you with original hardwood floors in the bedrooms, a sun-filled living room, and a formal dining area that flows into a fully equipped kitchen featuring granite countertops, stainless steel appliances, a brand-new range, and a new microwave. Cooking, laundry, and hot water all run on efficient propane — a smart, cost-saving setup for year-round living. Upstairs you'll find three comfortable bedrooms and a full bathroom, while the recently updated half bath on the main floor adds everyday convenience for family and guests. What truly sets this home apart is the room to grow. A massive unfinished space sits above the detached two-car garage — already studded and ready to become a private primary suite, a dedicated home office, an art studio, or an in-law retreat. Downstairs, the finished walk-out basement is already equipped with its own kitchenette, full bathroom, and third bedroom — ideal for extended family, guests, or a self-contained rec room with private outdoor access. Step outside to a covered deck with a built-in grill area overlooking 0. 67 acres of open, level land — a rare offering in Carmel. The detached two-car garage and full driveway provide ample parking and storage. Recent improvements include a brand-new oil tank, new basement stairs, an updated bathroom, and refreshed kitchen appliances — meaning the systems are sound and ready for the next chapter. Located within the highly regarded Carmel Central School District — Matthew Paterson Elementary, George Fischer Middle, and Carmel High — and just minutes from Lake Mahopac, Route 6, the Taconic State Parkway, and Metro-North access for an easy commute into Manhattan. This is more than a starter home. It's a foundation with built-in upside, sitting in one of Putnam County's most desirable communities. 3 Bedrooms | 3 Bathrooms | 0. 67 Acres | Walk-Out Basement | 2-Car Detached Garage | Carmel Schools
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Our Executive Mortgage Banker:
Our Insurance Division:
$549,000
Licensed Associate Real Estate Broker
William Raveis Real Estate
Phone: 914.943.6450
Jason.Mehler@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 302.293.7433
Brian.Shahwan@raveis.com
NMLS Mortgage Loan Originator ID 2166562
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $439,200 | $439,200 | $439,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | $1,236 | $1,236 | $1,236 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,704 | $2,812 | $3,677 |
| Total Monthly Payment | $4,032 | $4,140 | $5,005 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.