1232 Old Ford Circle, Gardiner, NY, 12561 | $499,000

Waterfront access in the Hudson Valley is limited. Finding it this close to the Village of New Paltz, at this price point, is even rarer. Inside, the home feels comfortable and grounded, with its living spaces oriented toward the river. A more intimate main living room on the first floor offers a cozy place to unwind, with windows that keep the water quietly in view. The layout is practical and flexible, with three bedrooms and two full baths, including a first-floor bedroom and bath. Just off that bath is a dedicated laundry room, a thoughtful upgrade that avoids the typical basement setup often found in homes of this era. Upstairs is where things open up. A larger second living room with a full stone fireplace and elevated river views creates a completely different experience of the home. It works naturally as a separate gathering space, but also presents a clear opportunity to reimagine it as a primary bedroom suite with an ensuite bath. For those looking to bring all bedrooms upstairs, this transition would be both straightforward and impactful. Step outside and the setting takes over. The property opens directly to the Wallkill River, with space to relax, launch a kayak, or simply sit by the water's edge. There's an ease to being here, where the sound of the river becomes part of the rhythm of the day and time tends to move a little differently. The location ties it all together. The Village, with its restaurants, shops, and everyday conveniences, is just minutes away, while nearby trails and preserves complete the outdoor lifestyle. The Wallkill Valley Rail Trail is nearby and connects seamlessly to the River to Ridge Trail, leading from the Village into the Mohonk Preserve. It's entirely possible to head out for a ride or walk from close to home, pass through town, and continue on into protected land and miles of trails without needing a car. Whether used as a full-time residence or a weekend retreat, the balance of access and setting here is hard to replicate. Opportunities like this, where water, views, location, and potential all converge, usually don't last. If you're looking for a certain type of stillness that often only comes with being on the water, this one might be for you.

Features

  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full
  • Style: Colonial
  • Year Built: 1950
  • Garage: 1-car
  • Heating: Baseboard, Hot Water, Oil
  • Cooling: Ductless, Electric
  • Basement: Full, Unfinished, Walk-Out Access
  • Approx Sq. Feet: 1,724
  • Acreage: 0.38
  • Est. Taxes: $9,684
  • Water Front: Yes
  • Elem. School: Duzine
  • Middle School: New Paltz Middle School
  • High School: New Paltz Senior High School
  • School District: New Paltz
  • Appliances: Dishwasher, Electric Range, Refrigerator
  • MLS#: 998328
  • Days on Market: 5 days
  • Website: https://www.raveis.com
    /prop/998328/1232oldfordcircle_gardiner_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 Taft Street Realty Inc   Phone: 845-687-9292

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

1232 Old Ford Circle, Gardiner, NY, 12561

$499,000

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 $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.375% 6.638% 5.972%
Monthly Tax Payment $807 $807 $807
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,458 $2,523 $3,315
Total Monthly Payment $3,340 $3,405 $4,197

* 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.