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5 Cowdrey Street, Warwick, NY, 10990

2beds
3baths
2,168sqft
$699,000
$322price/sqft
$5,301/moest. monthly cost
$212,040/yrincome needed

About This Home

Located in the highly sought-after Warwick Grove community, this exceptional townhouse offers the perfect blend of style, comfort, and easy living. Step inside to an inviting open floor plan enhanced by crown moldings throughout and stunning, thoughtfully curated decor. The sun-filled living space features oversized windows and a cozy natural gas fireplace beautifully set into a custom built-in bookcase—creating a warm and elegant focal point. The kitchen flows seamlessly into the great room and casual dining area, ideal for everyday living and entertaining. A custom pantry with built-in shelving adds both convenience and organization. The generously sized primary suite is a true retreat, complete with two large custom walk-in closets and a totally renovated spa-like bathroom. A well-appointed guest bedroom offers its own private en-suite bath, providing comfort and privacy for visitors. Throughout the home you notice elegant crown molding and the rich hardwood oak flooring that adds warmth and continuity to the first floor. Outdoor living is just as impressive, featuring a private courtyard with a covered porch, plus a beautifully landscaped patio with a grill—perfect for relaxing or entertaining. This is refined, low-maintenance living at its best, all within close proximity to the charming Village of Warwick and all it includes.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
6/10
8/10

Construction

Condition

  • Property condition: Actual
  • Year built: 2011

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Blown-In Insulation,Energy Star,HardiPlank Type

Notable Dates

  • Major remodel year: 2011

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Gas Cooktop,Gas Range,Microwave,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Built-in Features,Ceiling Fan(s),Chandelier,Crown Molding,Double Vanity,Entrance Foyer,Formal Dining,Granite Counters,His and Hers Closets,Pantry,Primary Bathroom,Recessed Lighting,Walk Through Kitchen
  • Door features: ENERGY STAR Qualified Doors
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,168
  • Total interior livable area: 2,168 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Lavatory

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 3354052320000008001.0000002
  • Special condition: None

Features

  • Levels: Two
  • Pool features: Community
  • Patio & porch: Patio,Porch
  • Exterior features: Awning(s),Courtyard,Gas Grill,Lighting,Rain Gutters
  • Fencing: Back Yard

Lot

  • Lot size: 436 sqft
  • Features: Landscaped,Near Public Transit,Near School,Near Shops

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange County and New York

Fire
Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,534$42,408
Home Insurance *$233$2,796
Property Taxes $1,176$14,112
Electricity $358$4,299
Total$5,301$63,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,748/yr
40% on housing$159,030/yr
45% on housing$141,360/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: -1.9%
-1.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$322This listing

vs Other Active Listings

Avg $/sqft

ZIP 10990$325
Orange County$274

vs Homes Sold Last Month

Median $/sqft

ZIP 10990$315
Orange County$263

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-12Price change$699,000
2026-04-18Listed for sale$729,000
2012-07-20Sold$378,495

For Sale by Agent

AgentCarole E. Rogers
BrokerageHoward Hanna Rand Realty

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