186 Commons Road, Germantown, NY, 12526 | $495,000

Germantown Home Near Hudson & Rhinebeck in Red Hook School District

Set on over an acre in Germantown on a quiet, tree-lined country road, this home offers a comfortable neighborhood feel just minutes from Hudson, Red Hook, and Rhinebeck, with farm stands, orchards, wineries, and outdoor recreation all within easy reach. Under two hours from NYC, it is equally suited as a full-time residence or weekend retreat.

A welcoming entryway leads inside, where high ceilings and wood details add character and warmth throughout the main level. The layout flows easily from a generous eat-in kitchen into a living room centered around a brick fireplace. Sliding glass doors lead out to the backyard, creating an inviting setting for both everyday living, and gathering. The main level also features a full bathroom and an additional room, which is perfect for a flexible home office.

The wooden staircase leads to the second floor, where an open landing offers flexible space for a reading nook, workspace, or a play area. Three well-proportioned bedrooms are located off the landing, while an arched opening leads down a hallway to the primary bedroom and full bath. Privately tucked away, the peaceful primary offers distant views of the Catskill Mountains.

Mini-split units throughout the home provide efficient, year-round heating and cooling comfort, and an attached single-car garage offers convenient parking and additional storage.

The fenced in backyard is set up for easy outdoor living, with a deck for dining, a pool for summer, and a large open space for gardening, chickens, or other pursuits.

Situated within the Red Hook Central School District, and within minutes to local favorites: Hearty Roots Farm Market, Greig Farm, Lasting Joy Brewery, Tivoli General, and Lake Taghkanic State Park; 20 minutes to Amtrak in Hudson or Rhinecliff.

Features

  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Laundry Room, Main Level
  • Style: Other
  • Year Built: 1900
  • Garage: 1-car Attached
  • Heating: Baseboard, Ductless, Electric, Oil
  • Cooling: Ductless
  • Basement: Crawl Space, Dirt Floor, Unfinished
  • Acreage: 1.16
  • Est. Taxes: $11,882
  • Lot Desc: Back Yard, Cleared, Few Trees, Level, Meadow
  • School District: Red Hook
  • Appliances: Built-In Electric Range, Dryer, Double Oven, Dishwasher, Microwave, Refrigerator, Washer
  • MLS#: 20261452
  • Days on Market: 36 days
  • Website: https://www.raveis.com
    /prop/20261452/186commonsroad_germantown_ny?source=qrflyer
Copyright © 2026  Hudson Valley Catskill Region MLS
Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Hudson Valley Catskills Region
Listing courtesy of Compass Greater NY, LLC

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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
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186 Commons Road, Germantown, NY, 12526

$495,000

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 $396,000 $396,000 $396,000
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 6.374% 6.524% 5.866%
Monthly Tax Payment $990 $990 $990
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,374 $2,471 $3,262
Total Monthly Payment $3,439 $3,536 $4,327

* 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.