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8-10 Towners Road #8

Carmel, NY 10512 · Putnam County

Status
Active
On site
187 days

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About this home

RARE WATER FRONT MIXED-USE INVESTMENT or LIVE/ WORK OPPORTUNITY! Discover the unique potential of 8 & 10 Towners Road in Carmel, NY, featuring THREE LEGAL UNITS—TWO RESIDENTIAL UNITS AND ONE COMMERCIAL UNIT—situated directly on the shores of Lake Carmel with beautiful water views and direct lake access. #8 Towners Road features a COMMERCIAL OFFICE/RETAIL SPACE with multiple rooms, a GARAGE BELOW, and an additional FRAMED-OUT ROOM offering flexible possibilities for expansion, storage, or additional workspace. #10 Towners Road includes a TWO-BEDROOM APARTMENT, a separate GARAGE, and an additional ONE-BEDROOM APARTMENT. The lower level also features a SEPARATE ENTRANCE and was previously used as an apartment, offering additional potential. ALL UNITS ARE SEPARATELY METERED, INCLUDING THE BASEMENT, with electric heat throughout. This versatile property offers opportunities for an OWNER-USER, INVESTOR, RENTAL INCOME, or LIVE/WORK ARRANGEMENT. Enjoy the benefits of Lake Carmel living, including FIVE WELL-MAINTAINED BEACHES, a playground, walking path around the lake, and clubhouse. Convenient COMMUTER LOCATION with easy access to major roads and close to golf and local amenities. A truly distinctive WATERFRONT PROPERTY combining COMMERCIAL, RESIDENTIAL, AND RECREATIONAL OPPORTUNITIES in one location.

Listed with Briante Realty Group, LLC · Angela J. Briante · Source: OneKey MLS

One Key MLS

Information provided by One Key MLS, and is deemed reliable but not guaranteed accurate. Data last updated: Oct 26, 2026, 10:07 AM ET. ©2026 One Key MLS.

Estimate your monthly payment

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$4,353.10Total / mo

Estimated monthly payment

Principal & interest
$2,955.44(67.9%)
Taxes
$1,197.67(27.5%)
Insurance
$200.00(4.6%)

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

38

Oct 2026

Average price

Active listings

$629,856

Oct 2026

Average days on market

Active listings

147 days

Oct 2026

Computed from 186 active OneKey MLS listings in Carmel, NY.

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