10 Waterford Road, Patterson, NY, 12563 | $300,000

Escape the ordinary and embrace lakeside living in this thoughtfully designed, move-in-ready cottage. Wake up to year-round lake views, spend your days at the private beach, and unwind with unforgettable sunsets from the comfort of home. Perfectly positioned across from Putnam Lake and a short walk to private Warren Beach, this isn’t just a home, it’s a front-row seat to nature’s most spectacular show. Tucked away on a quiet side street with only a handful of neighbors, the property offers a rare sense of privacy while still feeling connected. Whether you’re searching for a chic starter home, downsizing, or a weekend escape, this home offers a lifestyle that’s hard to replicate. Inside, the home welcomes you with warmth and character, centered around a floor-to-ceiling stone corner fireplace that creates an inviting gathering space. The updated kitchen is bright and functional, while the primary bedroom offers a peaceful retreat with lake views through a large picture window. Outside, the elevated yard sits above the street, creating a private setting for morning coffee, tea or quiet evenings under the stars overlooking the water. Beyond its charm, this home delivers peace of mind with significant recent upgrades, including a new septic system, well and pump, and high-efficiency HVAC with central air and heating, so the heavy lifting is already done. Best of all, exclusive lake and beach rights are included in the taxes with no additional HOA fees. Dedicated parking is located across the street, with additional parking nearby. Homes offering this combination of charm, year-round lake views, private beach access, and major upgrades at this price point are rarely available. Opportunities like this don’t come around often. Secure your summer escape or year-round retreat before it’s gone. Showings begin on May 7, 2026.

Features

  • Rooms: 4
  • Bedrooms: 2
  • Baths: 1 full
  • Style: Cottage
  • Year Built: 1932
  • Heating: Forced Air
  • Cooling: Central Air
  • Approx Sq. Feet: 528
  • Acreage: 0.12
  • Est. Taxes: $8,358
  • View: Lake
  • Water Front: Yes
  • Elem. School: Contact Agent
  • Middle School: Henry H Wells Middle School
  • High School: Brewster High School
  • School District: Brewster
  • Appliances: Oven, Range, Refrigerator
  • MLS#: 994128
  • Days on Market: 15 days
  • Website: https://www.raveis.com
    /prop/994128/10waterfordroad_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 Jason Mitchell Real Estate NY   Phone: 833-471-3747

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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!
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10 Waterford Road, Patterson, NY, 12563

$300,000

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 $240,000 $240,000 $240,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $697 $697 $697
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,478 $1,515 $1,993
Total Monthly Payment $2,249 $2,286 $2,764

* 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.