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Presented by
Mary-Jo McAvey |
Tucked among mature trees and rock outcroppings, this cedar-sided contemporary provides the privacy and tranquility you are seeking, whether as a full-time residence or a weekend escape from the city. Set on a private wooded lot offering a unique blend of architectural character, modern updates, and natural surroundings this country cottage checks all the boxes. The main living area is anchored by a dramatic great room with soaring cathedral ceilings, floor-to-ceiling windows, wide-plank hardwood floors, and a striking fieldstone fireplace. An open-concept layout connects the living, dining, and kitchen spaces, creating an easy flow for everyday living and entertaining. A screened porch extends the living space outdoors, while a porch swing beneath the deck overlooks the lawn and surrounding woods. The upper lofted level features an open primary suite with multiple closets, an updated hall bath and second bedroom with private outdoor deck overlooking nearby ponds. New luxury vinyl plank flooring has been installed in both the bedroom and loft area, adding durability and a fresh modern feel. Additional highlights include a generator for peace of mind, a roof only 12 years young, low property taxes, a covered carport, wraparound decking, and multiple outdoor spaces designed to enjoy the natural setting year-round. Located in the heart of Putnam County, Carmel offers easy access to New York City via Metro-North's Southeast Station and I-684. Nearby you'll find hiking, lakes, parks, local farms, breweries, and outdoor recreation, including Clarence Fahnestock State Park, Lake Mahopac, and miles of scenic trails. Whether you're looking for a weekend retreat, a creative work-from-home environment, or a full-time residence surrounded by nature, 86 Dean Road delivers a lifestyle that's increasingly hard to find.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$375,000
Luxury Properties Specialist
William Raveis Real Estate
Phone: 203.767.6427
Mary-Jo.McAvey@Raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.913.1633
Jorge.Rivera@Raveis.com
NMLS Mortgage Loan Originator ID 12303
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $300,000 | $300,000 | $300,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.512% | 5.846% |
| Monthly Tax Payment | $1,107 | $1,107 | $1,107 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,797 | $1,872 | $2,471 |
| Total Monthly Payment | $2,979 | $3,054 | $3,653 |
* 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.