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222 N Terry Hill Road

Carmel, NY 10512 · Putnam County

Beds
2
Baths
3
Sqft
1,679
Status
Active
On site
31 days

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About this home

Welcome to this beautifully maintained lakeside home, a cozy, charming retreat where peaceful water views shape the rhythm of everyday living. Nestled directly across from the shimmering lake, this inviting residence offers a bright, sun-filled bonus room, perfect as a private office, creative studio, serene reading nook, or bedroom, framed by tranquil scenery that inspires and soothes. Set within a vibrant and welcoming community, you’ll enjoy access to multiple picturesque beaches, scenic walking paths, nearby cafes, restaurants, and local shops that make daily living feel effortless and enjoyable. Renovated in 2019 and lovingly cared for, the home blends warmth and functionality with fresh paint, a newly paved driveway, and a fully fenced backyard and patio ideal for outdoor gatherings or quiet moments of retreat. The flexible mother-daughter layout with its own private entrance provides wonderful versatility for extended family, guests, or multi-generational living. The upstairs was previously enjoyed as a 3-bedroom layout, and the finished basement offers excellent potential as a comfortable 1-bedroom for extended family or guests, adding even more adaptability to the home’s design. Located in the highly sought-after Carmel School District and just over an hour from NYC, with quick access to I-84 and Metro-North, this home offers the perfect balance of vacation-style serenity and commuter convenience. Come experience this charming lakeside gem, it will not last.

Listed with William Raveis Real Estate · Heather Duffelmeyer · Source: OneKey MLS

One Key MLS

Information provided by One Key MLS, and is deemed reliable but not guaranteed accurate. Data last updated: Sep 17, 2026, 5:09 PM ET. ©2026 One Key MLS.

Estimate Your Monthly Payment

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.

$3,486.35Total / mo

Estimated Monthly Payment

Principal & interest
$2,408.69 (69.1%)
Taxes
$877.67 (25.2%)
Insurance
$200.00 (5.7%)

Representative rates

Representative rates only, indicative for comparison. Edit the interest rate for your own quote; your lender’s numbers vary with credit, points, and insurance.

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Market Insights

The market around Carmel, NY

Current Listings

New in the last 30 days

37

Sep 2026

Average Price

Active listings

$579,441

Sep 2026

Average Days on Market

Active listings

145 days

Sep 2026

Computed from 182 active OneKey MLS listings in Carmel, NY.

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