222 N Terry Hill Road
Carmel, NY, 10512 $ 484,000
Bedrooms2 Baths3.0 Sq 1,679 Monthly Estimate*
$ 3,343
for $484,000 with 2 bedrooms and 3 full baths. This 1,679 square foot home was built in 1940 on a lot size of 0.07.
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.
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FeaturesInteriorInterior Amenities First Floor Full Bath Ceiling Fan(s) His and Hers Closets In-Law Floorplan Open Floorplan Washer/Dryer Hookup
Basement Full See Remarks Walk-Out Access
Flooring Ceramic Tile Hardwood Laminate
Fireplace Features Pellet Stove
Basement Features Full See Remarks Walk-Out Access
Basement (Y/N) Y
Fireplace Y/N N
Half Baths 0
Total Bedrooms 2
Total Baths 3
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GeneralSewer Septic Tank
Heating Hot Air Oil
Cooling None
Utilities Trash Collection Public
Appliances Gas Oven
Architectural Style Cape Cod
Construction Materials Vinyl Siding
Year Built 1940
View Lake
Property Subtype Single Family Residence
Tax Year 2025
Parcel Number 372200-022-073-0001-057-000-0000
Waterfront Features Beach Access Lake Front
County Putnam County
Property Type Residential
HOA N
Garage Y/N N
Total Rooms 7
Full Baths 3
Directions Take Route 311 to Putnam Drive turn onto Terry Hill N Corner Lot.
High School Carmel High School
City Carmel
Senior Community Y/N N
High School District Carmel
Carport Y/N N
Elementary School Kent Primary
Property Attached Y/N N
Tax Annual Amount 10532
Middle/Junior High School George Fischer Middle School
Property Condition Estimated
Building Area Units Square Feet
Standard Status Active
Middle/Junior School District Carmel
Elementary School District Carmel
Tax Assessed Value 380000
Year Built Effective 1940
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ExteriorFencing Back Yard
Parking Features Driveway Driveway
Water Source Private
Total Parking 3
Parking Spaces 3
Foundation Details Stone
Waterfront Y/N Y
Horse Y/N N
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* Excluded FeaturesList ByHeather DuffelmeyerListing Agent
William Raveis Real EstateBroker
Affordability Calculator
- Monthly Principal & Interest
- $3,343
- Monthly Property Taxes
- $878
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% 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 $658,294
Percent of Sale Price 36%
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.
4892720 Elementary School
4100096 Middle School
Carmel High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 10/10/2026 | $484,000 | -1.02% | Price Down |
| 9/17/2026 | $489,000 | -1.21% | Price Down |
| 8/17/2026 | $495,000 | | Listed Price |