Escape to peaceful Hudson Valley living at 38 Huguenot Road in Carmel. This charming 1-bedroom, 1-bath bungalow/cottage offers a warm and inviting retreat with a level, fully fenced front, side, and backyard—perfect for relaxing outdoors, entertaining, gardening, or enjoying quiet mornings surrounded by nature. Residents may enjoy access to nearby lake and beach amenities (permit required), offering opportunities for swimming, boating, kayaking, fishing, and lakeside recreation throughout the season. Ideally situated just minutes from downtown Carmel, you'll find local restaurants, cafés, boutiques, seasonal farmers markets, and everyday conveniences, while nearby outdoor destinations such as Lake Gleneida, Lake Mahopac, the Putnam Trailway, and Fahnestock State Park provide year-round opportunities for hiking, biking, paddling, and exploring the natural beauty of the Hudson Valley. Local attractions include the historic Carmel Cinema, Putnam County Golf Course, Mahopac Falls, and nearby arts and cultural destinations throughout Putnam and Dutchess Counties. Wine enthusiasts and craft beverage lovers will appreciate easy access to Hudson Valley wineries, tasting rooms, breweries, and distilleries, while additional shopping, dining, and entertainment options can be found throughout Carmel, Mahopac, and neighboring communities. Conveniently located near Route 6, Route 52, I-84, the Taconic State Parkway, and Metro-North stations in Southeast and Brewster, this property offers a rare combination of tranquility, recreation, small-town charm, and commuter convenience—making it an ideal full-time residence, weekend escape, or Hudson Valley retreat.
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Our Executive Mortgage Banker:
$240,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $192,000 | $192,000 | $192,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.650% | 5.972% |
| Monthly Tax Payment | $545 | $545 | $545 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,167 | $1,214 | $1,594 |
| Total Monthly Payment | $1,787 | $1,834 | $2,214 |
* 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.