45 Willow Lake Drive, Holmes, NY, 12531 | $665,000

**Lakefront Living at Its Finest on Private Sunset Lake** Welcome to your own waterfront retreat on the peaceful shores of **Sunset Lake**, where every day feels like a vacation. This beautifully maintained 3-bedroom, 2. 5-bath home offers stunning lake views, timeless craftsmanship, and the perfect balance of privacy, recreation, and convenience. Step inside to discover gleaming hardwood floors, elegant crown molding, two inviting fireplaces, and central air for year-round comfort. The thoughtfully designed kitchen is both beautiful and functional, featuring striking concrete countertops, tile flooring, radiant heated floors, propane cooking, and an adjoining mudroom with radiant heat—perfect for Hudson Valley winters. The true centerpiece of this home is its incredible outdoor living space. Sip your morning coffee or unwind with a glass of wine from the screened-in porch overlooking the lake, or host summer barbecues and outdoor dinners on the spacious open-air deck while taking in the peaceful waterfront setting. Enjoy everything private **Sunset Lake** has to offer. Kayak, paddleboard, swim, fish, or spend the afternoon playing with your dog in the water. In the winter, the lake transforms into the perfect setting for ice skating. With the ability to build your own private dock, you can truly create the waterfront lifestyle you've always imagined. A fenced yard keeps pets safe, while high-speed internet allows you to work from home with inspiring lake views instead of office walls. An attached two-car garage provides plenty of room for vehicles, kayaks, paddleboards, and outdoor equipment. Located in the highly sought-after **Pawling School District**, this exceptional property is just minutes from the charming Village of Pawling, offering boutique shopping, local restaurants, cafés, and Metro-North service to New York City. Outdoor enthusiasts will love being close to the Harlem Valley Rail Trail, Appalachian Trail access, scenic hiking, golf courses, wineries, breweries, farms, and easy access to Interstate 84. Whether you're searching for a year-round residence, a weekend escape from the city, or the perfect place to embrace the Hudson Valley lifestyle, this rare lakefront opportunity offers the best of both worlds—peaceful waterfront living with modern conveniences just minutes away. **Come experience why life is better on Sunset Lake. **

Features

  • Amenities: Boat Dock, Gated, Recreation Facilities
  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: In Bathroom
  • Style: Colonial
  • Year Built: 1995
  • Garage: 2-car
  • Heating: Oil
  • Cooling: Central Air
  • Basement: Full, Partially Finished, Walk-Out Access
  • Approx Sq. Feet: 2,546
  • Acreage: 1.35
  • Est. Taxes: $9,554
  • HOA Fee: $450 Annually
  • Lot Desc: Waterfront
  • View: Trees/Woods, Water
  • Water Front: Yes
  • Elem. School: Pawling Elementary School
  • Middle School: Pawling Middle School
  • High School: Pawling High School
  • School District: Pawling
  • Appliances: Dishwasher, Dryer, Gas Range, Refrigerator, Washer
  • MLS#: 1017740
  • Website: https://www.raveis.com
    /prop/1017740/45willowlakedrive_holmes_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 River to Ridge Rlty Associates   Phone: 845-206-8756

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

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

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

45 Willow Lake Drive, Holmes, NY, 12531

$665,000

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 $532,000 $532,000 $532,000
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% 5.866%
Monthly Tax Payment $796 $796 $796
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,186 $3,319 $4,382
Total Monthly Payment $4,074 $4,207 $5,270

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.