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In the search for a home in Upstate New York, many buyers find themselves looking for something beyond a standard floor plan. They are looking for a shift in perspective—space that offers room to breathe, soil with a legacy, and a level of privacy that has become increasingly rare. Located in New Hampton, 362 Onion Avenue is a property that settles the debate between quantity and quality. It intentionally trades excess square footage for eight acres of the Hudson Valley’s most storied Black Dirt land. The home itself is a manageable 1, 100 square feet, but every inch has been handled with an artist’s eye. These aren’t standard "flips" or fast trends; the updates here are thoughtful and deliberate, designed to maximize light and create a grounded, peaceful atmosphere. It is a home that serves as a quiet anchor for a life lived largely outdoors. What truly sets this property apart is the infrastructure. The private, two-story detached garage and separate tool shed offer the kind of "flex space" that is nearly impossible to find at this price point. For the woodworker, the studio artist, or the entrepreneur, these outbuildings provide a professional-grade workspace that keeps creative pursuits and home life beautifully distinct. The acreage doesn’t just stop at a fence line; it continues directly to the Wallkill River. Having private access to the water means weekends are defined by the river’s current. It is a meandering, peaceful route perfect for an afternoon of kayaking or simply watching the light change over the water. When the day calls for a slower pace, the backyard serves as a private escape. Between the built-in tiki bar, the spa, and the above-ground pool, the transition from the work week to a riverfront retreat is as simple as stepping out the back door. For the buyer prioritizing the integrity of the land and the substance of a workspace over square footage for the sake of square footage, this New Hampton property is a rare find. In a market often preoccupied with "more, " this home is a reminder that "right" is the better investment. We invite you to come take a tour of this memorable home.
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William Raveis Real Estate
Phone: 888.699.8876
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Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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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 | $412,000 | $412,000 | $412,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.301% | 6.500% | 5.691% |
| Monthly Tax Payment | $498 | $498 | $498 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,437 | $2,570 | $3,364 |
| Total Monthly Payment | $3,027 | $3,160 | $3,954 |
* 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.