146-148 Charles Street
Montgomery, NY, 12549 $ 559,900
Bedrooms6 Baths4.0 Sq 2,650 Monthly Estimate*
$ 3,493
for $559,900 with 6 bedrooms and 4 full baths. This 2,650 square foot home was built in 1972 on a lot size of 0.2204.
Village living with income built in. Wake up where life still feels neighborly: morning walks along the Wallkill, coffee on Main Street, friendly waves from porch to porch. In the quaint Village of Montgomery, fresh-baked treats, farm-to-table dinners, and live music nights at City Winery Hudson Valley turn ordinary days into small celebrations. Weekends stretch beautifully with trails at Winding Hills Park, picnics at Benedict Farm Park, orchard stops in New Paltz and Warwick, and quick adventures to Storm King Art Center, Woodbury Common, or LEGOLAND New York. Set right in the village, this classic side-by-side duplex offers three bedrooms on each side—roomy, practical, and welcoming. It’s the smart way to live and invest: make one home your own and let the other help pay the mortgage, or launch your portfolio and lease both. However you choose, you gain flexibility, steady potential income, and a foothold in one of Orange County’s most charming walkable communities. Commuters and weekender buyers love the location: about 75 to 90 minutes to NYC, convenient to I-84 and I-87, and close to Stewart International Airport and nearby Metro-North stations. Even better, you’re moments to local schools, seasonal festivals, riverfront strolls, and the kind of Main Street where shop owners know your name. Highlights • Two-family duplex, three bedrooms per side • Live in one, rent the other, or rent both • Walk to village dining, cafe's, boutiques, and parks • Near City Winery Hudson Valley, Winding Hills Park, Benedict Farm Park, plus orchard outings in New Paltz and Warwick • Easy reach to Storm King Art Center, Woodbury Common, LEGOLAND New York • Commutable to NYC with access to I-84, I-87, Stewart Airport, and regional rail hubs If you’ve been waiting for a place that blends lifestyle and leverage, this is the one. Move in, collect rent, and let Montgomery’s small-town charm do the rest.
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FeaturesInteriorInterior Amenities Built-in Features Ceiling Fan(s) Open Floorplan
Basement Unfinished
Flooring Carpet Tile
Basement Features Unfinished
Basement (Y/N) Y
Fireplace Y/N N
Total Bedrooms 6
Total Baths 4
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GeneralSewer Public Sewer
Heating Baseboard Hot Water Natural Gas
Cooling Wall/Window Unit(s)
Utilities Natural Gas Connected Sewer Connected Trash Collection Public
Construction Materials Brick
Year Built 1972
Property Subtype Duplex
Tax Year 2025
Parcel Number 334203-202-000-0011-002.200-0000
Gross Income 36000
County Orange County
Insurance Expense 1802
Property Type Residential Income
Garage Y/N N
Full Baths 4
High School Valley Central High School
City Montgomery
Senior Community Y/N N
High School District Valley Central (Montgomery)
Number Of Units Total 2
Carport Spaces 3
Carport Y/N Y
Elementary School Montgomery Elementary School
Property Attached Y/N N
Tax Annual Amount 12317.1
Middle/Junior High School Valley Central Middle School
Building Area Units Square Feet
Standard Status Pending
Middle/Junior School District Valley Central (Montgomery)
Elementary School District Valley Central (Montgomery)
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ExteriorParking Features Driveway Driveway
Water Source Public
Total Parking 3
Parking Spaces 3
Building Area Total 2650
Waterfront Y/N N
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* Excluded FeaturesList ByBrian J CaplickiListing Agent
Keller Williams Hudson ValleyBroker
Affordability Calculator
- Monthly Principal & Interest
- $3,493
- Monthly Property Taxes
- $1,026
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.375% 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 NearbyMulti-family listings in Montgomery, NY
Average List Price $554,450
Percent of Sale Price 1%
About Montgomery, NY 22,967 Population
10% Since 2002
$ 72,207 Median Income
40.12 Median Age
31% Households with Children
Trends Information provided by ATTOM Data Solutions.
4892214 Elementary School
4892263 Middle School
Valley Central High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 10/15/2025 | $559,900 | -1.75% | Price Down |
| 9/17/2025 | $569,900 | | Listed Price |