175 Terry Hill Road, Carmel, NY, 10512 | $359,000

Nestled in a peaceful, zen-like setting, this updated 2-bedroom, 1-bath home offers lake rights to Lake Carmel along with seasonal partial lake views—creating a lifestyle that blends relaxation with everyday convenience. Enjoy swimming, kayaking, fishing, and lakeside living just moments from your door. Inside, a bright and calming living room welcomes you with refinished original hardwood floors, cathedral beamed ceilings, and a ceiling fan that enhances the open, airy feel. A generously sized closet offers great storage and could easily be converted into a pantry. The eat-in kitchen features abundant white cabinetry, a propane stove, and a functional layout designed for daily living. The updated bathroom provides a spa-like retreat with a soaking tub and rain shower. Just off the kitchen, the second bedroom—currently used as a quiet retreat—offers direct access to the backyard, creating a seamless indoor-outdoor flow. Upstairs, the spacious primary bedroom serves as a private escape, complete with cathedral ceilings, wood beams, and a ceiling fan that adds warmth and character. The fully fenced, level backyard is designed for both relaxation and entertaining, featuring a deck, garden area, shed, and plenty of space for gatherings, outdoor dining, or simply unwinding in a peaceful setting. Driveway parking accommodates approximately five cars, with potential for expansion. Ideally located near I-84 and just over 5 miles to the Southeast or Brewster train stations, this home offers an easy commute while still feeling like a true escape. A well-balanced, inviting home that’s ready to be experienced in person.

Features

  • Rooms: 4
  • Bedrooms: 2
  • Baths: 1 full
  • Style: Cottage
  • Year Built: 1945
  • Heating: Hot Water, Oil
  • Cooling: None
  • Basement: See Remarks, Storage Space
  • Approx Sq. Feet: 977
  • Acreage: 0.14
  • Est. Taxes: $9,710
  • Lot Desc: Back Yard, Garden, Level, Near Public Transit, Views
  • View: Lake, Trees/Woods
  • School District: Carmel
  • Appliances: Oven, Range, Refrigerator, Water Purifier Owned
  • MLS#: 970098
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/970098/175terryhillroad_carmel_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of EXIT REALTY CONNECTIONS   Phone: 845-298-6034

William Raveis Family of Services

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Ryan FortierInsurance Sales Director, William Raveis Insurance

516.739.7731

Ryan.Fortier@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

175 Terry Hill Road, Carmel, NY, 10512

$359,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $287,200 $287,200 $287,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.545% 5.900%
Monthly Tax Payment $809 $809 $809
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,722 $1,792 $2,366
Total Monthly Payment $2,606 $2,676 $3,250

* 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.