306 Towners Road
Carmel, NY, 10512 $ 349,900
Bedrooms3 Baths2.0 Sq 1,856 Monthly Estimate*
$ 2,154
for $349,900 with 3 bedrooms and 2 full baths. This 1,856 square foot home was built in 1959 on a lot size of 0.2127.
Opportunity, this is the kind of property buyers wait for in Lake Carmel, where location, lifestyle, and long term upside come together in a way that is getting harder to find. Legally a 3 bedroom and currently configured as a 2 bedroom, this ranch offers a flexible layout that can easily be brought back to its original design or reimagined entirely depending on your vision. The eat in kitchen anchors the home and creates a natural starting point for what this space can become, while the overall footprint is simple, functional, and ready for someone to come in and make it their own. A full walkout basement adds another layer of potential, giving you the ability to create additional living space, a recreation area, or a completely reworked lower level that changes how the home lives day to day. Outside, a large deck extends the home and sets the tone for indoor outdoor living, entertaining, or quiet evenings overlooking the property. With coveted lake rights to Lake Carmel, the value here goes far beyond the structure itself, offering summer days by the water, a true neighborhood feel, and a lifestyle people actively seek out. The home does need updates, but for the right buyer this is where the opportunity is to create something special and build real equity over time. The property is nestled in a friendly community, with quick access to Southeast train station for easy commuting, and local shops and restaurants, and the scenic Lake Carmel Park District, all enhancing your living experience. Whether you're looking for a peaceful retreat or a home that keeps up with your active lifestyle, this is a perfect choice. *Taxes: $6,362.16 (school, no exemptions) + $3,635.69 (town & county) = $9,997.85 total annually. STAR exemption currently reduces school taxes; buyers to verify eligibility.*
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FeaturesInteriorInterior Amenities First Floor Bedroom First Floor Full Bath Eat-in Kitchen
Basement Full Walk-Out Access
Basement Features Full Walk-Out Access
Basement (Y/N) Y
Fireplace Y/N N
Half Baths 0
Total Bedrooms 3
Total Baths 2
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GeneralSewer Septic Tank
Heating Hot Water Oil Steam
Cooling Wall/Window Unit(s)
Utilities Cable Available Electricity Available Electricity Connected Phone Available Water Available Water Connected
Appliances Oven Refrigerator
Patio/Porch Features Deck
Architectural Style Ranch
Construction Materials Unknown
Year Built 1959
Property Subtype Single Family Residence
Tax Year 2025
Parcel Number 372200-033-051-0002-021-000-0000
County Putnam County
Property Type Residential
HOA N
Garage Y/N N
Total Rooms 6
Full Baths 2
High School Carmel High School
City Kent
Senior Community Y/N N
High School District Carmel
Carport Y/N N
Elementary School Matthew Paterson Elementary School
Property Attached Y/N N
Tax Annual Amount 9998
Middle/Junior High School George Fischer Middle School
Additional Parcels Y/N N
Building Area Units Square Feet
Standard Status Active
Middle/Junior School District Carmel
Elementary School District Carmel
Tax Assessed Value 231300
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ExteriorParking Features Driveway Driveway
Water Source Private
Total Parking 3
Parking Spaces 3
Waterfront Y/N N
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* Excluded FeaturesList ByAnna ProctorListing Agent
Compass Greater Ny, LlcBroker
Affordability Calculator
- Monthly Principal & Interest
- $2,154
- Monthly Property Taxes
- $833
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Carmel, NY
Average List Price $583,413
Percent of Sale Price 67%
About Carmel, NY 34,880 Population
6% Since 2002
$ 103,123 Median Income
43.83 Median Age
32% Households with Children
Trends Information provided by ATTOM Data Solutions.
4100201 Elementary School
4100096 Middle School
Carmel High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 4/17/2026 | $349,900 | | Listed Price |