38 Mill Lane Ext., Saugerties, NY, 12477 | $699,000

Tucked away on a quiet, no-outlet street in a lovely neighborhood, this beautiful 4-bedroom, 4-bath (2 full, 2 half) home offers the ideal blend of peaceful living and vibrant village convenience. Whether you are looking for a year-round residence or a vacation getaway, this spacious property has everything you need.
The bright, open floor plan features three levels of living space, with just a few steps between each level--making it incredibly accessible and comfortable for all ages. A large, open living room greets you with soaring cathedral ceilings and an abundance of natural light. The dining room flows seamlessly into a beautiful screened-in porch, providing the perfect space to relax and enjoy the warmer weather.
Upstairs, the primary bedroom serves as a private retreat, complete with a generous walk-in closet and an en-suite bathroom featuring a walk-in shower. Three additional spacious bedrooms share a full hall bathroom, which conveniently houses the washer and dryer. Looking for even more space? The basement is full of potential and needs just a few finishing touches to be completely transformed.
Outside, the property shines just as bright. The awesome yard is ready for your pets to be fenced in, and beautiful raised garden beds are primed for spring blooming. Along the front of the house, newly installed Govee lights provide customizable curb appeal. A massive, newly blacktopped driveway offers plenty of room for parking, including dedicated space for an RV or boat.
Enjoy incredibly low-maintenance living with municipal water, municipal sewer, central air conditioning, and existing solar panels to keep your energy beautifully low.
Location, Location, Location: Leave the car at home! You are within easy walking distance of the Cantine Field Sports Complex and HITS. Enjoy all the perks of village life, with fantastic restaurants, theaters, art galleries, annual festivals, and Saugerties' famous 4th of July celebrations just moments from your front door.

Features

  • Bedrooms: 4
  • Baths: 2 full / 2 half
  • Lot Size: .419
  • Laundry: Inside, Laundry Room, Upper Level
  • Style: Contemporary
  • Year Built: 1999
  • Garage: 2-car Attached
  • Heating: Central, Forced Air, Propane
  • Cooling: Central Air, Whole House Fan
  • Basement: Finished, Partially Finished, Storage Space, Walk-Out Access
  • Acreage: 0.42
  • Lot Size: .419
  • Est. Taxes: $12,971
  • Lot Desc: Back Yard, Corner Lot, Front Yard, Garden, Landscaped, Level, See Remarks
  • School District: Saugerties
  • Appliances: Dryer, Disposal, Dishwasher, Electric Oven, Free-Standing Refrigerator, Gas Range, Ice Maker, Refrigerator, Self Cleaning Oven, Stainless Steel Appliance(s), Washer/Dryer
  • MLS#: 20263114
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/20263114/38milllaneext_saugerties_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 Helsmoortel Realty Inc.

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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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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38 Mill Lane Ext., Saugerties, NY, 12477

$699,000

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 $559,200 $559,200 $559,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.866%
Monthly Tax Payment $1,081 $1,081 $1,081
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,349 $3,531 $4,606
Total Monthly Payment $4,522 $4,704 $5,779

* 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.