46 Rowley Road, Eldred, NY, 12732 | $525,000

Driving down a long, curved driveway and tucked among the trees, this Catskill Farms home from 2010 is a house built for quiet enjoyment, with outdoor spaces added to bring that point home. There is a through line of approach here, natural elements brought into the home to tighten its connection to its surroundings. The materials do a lot of the talking. Bluestone floors transition to wide-plank wood. Dark rough-sawn boards line the walls as wainscoting. A real stone fireplace, monumental in scale, propane-fired, and genuinely heat-giving, anchors the living area. Repurposed barn beams serve as the mantle and as an exposed structural post. The combination of textures is specific and considered; not a collection of rustic clichés but something with a genuine point of view. A bright red front door opens to a bluestone entry with a coat closet and a half bath. The dining area occupies a windowed alcove under a vaulted ceiling — the kind of space that earns its keep at every meal. The kitchen is open to it: a red Viking range and hood, a farm sink, a wine fridge, shiplap walls, wide-plank floors. The red is a recurring note throughout the house — it appears again in the upstairs bathroom vanity, and each time it lands with the same quiet confidence. Originally designed as a two-bedroom, the wall between the living area and what would have been a den was simply omitted. The decision opens the ground floor considerably, and the fireplace benefits most. It now commands the entire space. The bedroom suite is up the solid wood stairs and around the stone chimney. Vaulted ceilings, proper closet space, and a tiled tub/shower bathroom with the same generous ceiling height. The full, unfinished basement has high ceilings. The mechanicals and washer/dryer reside there. But one can easily envision another room being added. Outside, the property offers several distinct opportunities for relaxation. The porch wraps around three sides of the house: a rocking-chair front and a screened-in section off the living room. A wooden deck just down the porch stairs is an amazing summer hangout. A hammock is there to lie back and watch the sky drift by. Another step down leads to a bluestone patio with a stone fire pit. Two electrified outbuildings round out the property. One is insulated, heated, and cooled — a ready-made home office or guest room. The other handles garden storage with the same quiet practicality.

Features

  • Rooms: 6
  • Bedrooms: 1
  • Baths: 1 full / 1 half
  • Laundry: In Basement
  • Style: Farmhouse
  • Year Built: 2010
  • Heating: Hot Water, Propane
  • Cooling: Wall/Window Unit(s)
  • Basement: Full, Unfinished
  • Approx Sq. Feet: 1,134
  • Acreage: 7.34
  • Est. Taxes: $6,122
  • Lot Desc: Private, Wooded
  • Elem. School: George Ross Mackenzie Elem Sch
  • Middle School: Eldred Junior-Senior High School
  • High School: Eldred Junior-Senior High School
  • School District: Eldred
  • Appliances: Dishwasher, Dryer, Gas Range, Washer
  • MLS#: 1014171
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/1014171/46rowleyroad_eldred_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 Country House Realty Inc   Phone: 845-397-2590

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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

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46 Rowley Road, Eldred, NY, 12732

$525,000

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 $420,000 $420,000 $420,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.603% 5.952%
Monthly Tax Payment $510 $510 $510
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,515 $2,652 $3,488
Total Monthly Payment $3,117 $3,254 $4,090

* 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.