4 S Lake Drive, Patterson, NY, 12563 | $489,900

Welcome to this desirable lakefront home on Putnam Lake, offering direct waterfront access and exceptional views! One of the few properties where the property leads to the Lake, this home includes lake rights, as well as access to private Warren Beach which is just across the cove and restricted to residents. You are greeted by a welcoming front porch offering ample space for seating, or just a great place to set your packages down, protected from the elements, as you enter the home. Facing the lake, your eat-in kitchen, with granite counters and stainless steel appliances, provides a peaceful area for casual dining, featuring lovely sunrises. Adjacent spacious dining/living room features a traditional fireplace, and is ideal for entertaining, or comfortable seating for everyday meals. A sunken family room showcases tranquil lake and nature views through large windows, with access to the backyard via sliders and an electric fireplace for added comfort. A full bathroom is conveniently located on the main level. Upstairs, two bedrooms share a full bath, plus also attic access in the hallway. Finished lower level offers a spacious (additional 558 sq. ft. ) family room suitable for recreation or work, plus an unfinished area features laundry and storage. Additional appealing highlights include a one car garage, driveway parking, and an extra parking space on the left side of the property, plus room near the garage for a small boat. Updates include septic tank and line replaced in 2016, stone porch redone in 2021, new floors on the upper level installed in 2023, and several new windows installed throughout the home. Putnam Lake is restricted to rowboats, kayaks, and other non-motorized boats ensuring a peaceful environment for you and the local wildlife. Imagine morning coffee while watching bald eagles, swans, and herons, or head out for a sunrise session of kayaking or paddle boarding. This location offers year-round enjoyment, from summer fishing to winter ice skating and ice fishing, making it a desirable destination for the outdoor enthusiast. The perfect blend of small-town living and modern accessibility; this lakefront home is just a short walk from town amenities including a market, pizza place, and playground, plus a quick drive to dining and shopping in Brewster and Danbury areas. Commuters will love the proximity to Metro-North. Immerse yourself in the lakefront lifestyle today!

Features

  • Amenities: Park
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: In Basement
  • Style: Cape Cod
  • Year Built: 1938
  • Garage: 1-car
  • Heating: Hot Water, Oil
  • Cooling: Wall/Window Unit(s)
  • Basement: Full, Partially Finished
  • Approx Sq. Feet: 1,387
  • Acreage: 0.15
  • Est. Taxes: $10,168
  • Lot Desc: Level, Near Public Transit, Near School, Near Shops, Part Wooded, Views
  • View: Lake
  • Water Front: Yes
  • Elem. School: John F. Kennedy
  • Middle School: Henry H Wells Middle School
  • High School: Brewster High School
  • School District: Brewster
  • Appliances: Dryer, Oven, Range, Refrigerator, Washer
  • MLS#: 954013
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/954013/4slakedrive_patterson_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 Coldwell Banker Realty   Phone: 914-277-5000

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

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
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4 S Lake Drive, Patterson, NY, 12563

$489,900

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 $391,920 $391,920 $391,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.313% 6.487% 5.614%
Monthly Tax Payment $847 $847 $847
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,318 $2,445 $3,176
Total Monthly Payment $3,240 $3,367 $4,098

* 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.