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Welcome to Wilcox Cottage, a saltbox farmhouse with roots dating to circa 1830, set on just over a half acre along a no-outlet road in Dutchess County. Surrounded on all sides by 100+ acres of protected land and elevated above a historic Christmas tree farm and a shimmering lake, the property offers genuine seclusion in a setting of deep, quiet beauty. Tall trees stand throughout the grounds, birdsong carries through the windows, and the relaxed pace of the surrounding countryside feels like it belongs to another era.
The 1, 308-square-foot home has been renovated with close attention paid to preserving its early character. The main floor, which walks out directly to the grounds, holds the kitchen and living room. Exposed brick floor in the entry, post-and-beam ceilings, and a working fireplace in the living room speak to the home's centuries of history. The kitchen features Moroccan floor tiles with in-floor radiant heat, a dual-fuel Bertazzoni range, and a farmhouse sink, with handmade English faucets fitted throughout. The second floor has wide plank pine flooring and holds two bedrooms and the sunny bathroom, finished in black marble and complete with a soaking tub and plantation shutters that filter the light beautifully. The primary bedroom occupies the top-floor loft-style finished attic, a quiet, elevated retreat with dark blue-stained wood floors.
Outside, two terraces frame the home on different levels: a pebble-gravel terrace at the front entrance and a second terrace accessible from the upper floor, both positioned to take in the lake view. A garden with stone pathways, a dry creek bed, and two mature apple trees compose the grounds. A detached sauna cabin finished in black marble includes an outdoor shower and a small custom made circular steel pond cooling station. A detached two-car garage with a fully electrified loft above offers room for a workspace, creative studio, or home office, completing the picture of a property designed for relaxed, sensory living.
Verbank sits in the pastoral heart of Dutchess County, just 20 minutes from the nearest Metro-North station for a train ride to New York City of under two hours, or a just-over-90-minute drive. The landscapes of Millbrook, Kent, and Millerton are all close at hand, with quiet country roads, working farms, and unhurried village life at every turn.
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Our Executive Mortgage Banker:
$695,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $556,000 | $556,000 | $556,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.133% | 6.739% | 5.952% |
| Monthly Tax Payment | $500 | $500 | $500 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,201 | $3,560 | $4,617 |
| Total Monthly Payment | $3,793 | $4,152 | $5,209 |
* 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.