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138 Kent Shore Drive, Carmel, NY, 10512 | $515,000
Welcome home to this well-maintained 3-bedroom, 2 full bath Raised Ranch nestled in a sought-after lake community with deeded rights to South Lake—perfect for paddle boating, fishing, and canoeing. The main level features beautiful hardwood floors throughout, some freshly painted rooms, and a bright, inviting layout with a spacious living room, dining area, three comfortable bedrooms, and a full bath. The finished lower level offers a generous family room highlighted by a cozy wood-burning stove, creating the perfect space to relax, entertain, or gather with family and friends. A second full bath adds convenience and flexibility for guests, a home office, or extended living. Step outside to enjoy the private backyard with a peaceful wooded rear border, offering plenty of space to unwind, entertain, or simply enjoy nature. A storage shed provides additional room for lawn equipment, tools, and outdoor gear, while the attached 2-car garage offers everyday convenience. Recent updates include a brand-new roof (2026), renovated lower-level full bath (within the last 2 years), updated kitchen (approximately 5 years ago), and a new boiler (2022/2023), giving buyers added peace of mind. Enjoy the best of both worlds—peaceful lake living with modern convenience. Located less than 4 miles (approximately 9 minutes) from I-84 and just 18 minutes to the Southeast Metro-North Train Station, this home offers an easy commute while allowing you to enjoy the year-round lifestyle and recreational opportunities this wonderful lake community has to offer.
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 2 full
- Laundry: Electric Dryer Hookup, Inside, Washer Hookup
- Style: Raised Ranch
- Year Built: 1978
- Garage: 2-car
- Heating: Baseboard, Hot Water, Oil
- Cooling: Wall/Window Unit(s)
- Basement: Finished, Full
- Approx Sq. Feet: 1,910
- Acreage: 0.73
- Est. Taxes: $12,182
- Lot Desc: Back Yard, Near School, Part Wooded, Private
- Elem. School: Kent Elementary
- Middle School: George Fischer Middle School
- High School: Carmel High School
- School District: Carmel
- Appliances: Dishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer
- MLS#: 1018740
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/1018740/138kentshoredrive_carmel_ny?source=qrflyer
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
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- Market your home to realize a quick sale at the best possible price
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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
138 Kent Shore Drive, Carmel, NY, 10512
$515,000
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 | $412,000 | $412,000 | $412,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $1,015 | $1,015 | $1,015 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,503 | $2,601 | $3,421 |
| Total Monthly Payment | $3,610 | $3,708 | $4,528 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535