




46 Rowley Road, Eldred, NY, 12732
About This Home
Driving down a long, curved driveway and tucked among the trees, this Catskill Farms home from 2010 is a house built for quiet enjoyment, with outdoor spaces added to bring that point home. There is a through line of approach here, natural elements brought into the home to tighten its connection to its surroundings. The materials do a lot of the talking. Bluestone floors transition to wide-plank wood. Dark rough-sawn boards line the walls as wainscoting. A real stone fireplace, monumental in scale, propane-fired, and genuinely heat-giving, anchors the living area. Repurposed barn beams serve as the mantle and as an exposed structural post. The combination of textures is specific and considered; not a collection of rustic clichés but something with a genuine point of view. A bright red front door opens to a bluestone entry with a coat closet and a half bath. The dining area occupies a windowed alcove under a vaulted ceiling — the kind of space that earns its keep at every meal. The kitchen is open to it: a red Viking range and hood, a farm sink, a wine fridge, shiplap walls, wide-plank floors. The red is a recurring note throughout the house — it appears again in the upstairs bathroom vanity, and each time it lands with the same quiet confidence. Originally designed as a two-bedroom, the wall between the living area and what would have been a den was simply omitted. The decision opens the ground floor considerably, and the fireplace benefits most. It now commands the entire space. The bedroom suite is up the solid wood stairs and around the stone chimney. Vaulted ceilings, proper closet space, and a tiled tub/shower bathroom with the same generous ceiling height. The full, unfinished basement has high ceilings. The mechanicals and washer/dryer reside there. But one can easily envision another room being added. Outside, the property offers several distinct opportunities for relaxation. The porch wraps around three sides of the house: a rocking-chair front and a screened-in section off the living room. A wooden deck just down the porch stairs is an amazing summer hangout. A hammock is there to lie back and watch the sky drift by. Another step down leads to a bluestone patio with a stone fire pit. Two electrified outbuildings round out the property. One is insulated, heated, and cooled — a ready-made home office or guest room. The other handles garden storage with the same quiet practicality.
Getting Around
Schools
Construction
Condition
- Property condition: Actual
- Year built: 2010
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Farmhouse
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Gas Range,Washer
- Laundry features: In Basement
Basement
- Level: Lower
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bathroom1
- Level: First
Bathroom2
- Level: Second
Bedroom1
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Beamed Ceilings,Chandelier,Chefs Kitchen,High Ceilings,High Speed Internet,Natural Woodwork,Open Kitchen,Quartz/Quartzite Counters,Smart Thermostat
- Window features: Double Pane Windows
- Flooring: Wood
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Attic: None
Heating & Cooling
- Heating features: Hot Water,Propane
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 1,134
- Total interior livable area: 1,134 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 380001600001007023
- Special condition: None
Features
- Patio & porch: Deck,Porch,Screened,Wrap Around
- Exterior features: Fire Pit,Lighting
Lot
- Lot size: 7.34 Acres
- Features: Private,Wooded
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Sullivan County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $225 | $2,700 |
| Property Taxes | $791 | $9,492 |
| Electricity | $246 | $2,954 |
| Total | $3,916 | $46,992 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-18 | Listed for sale | $525,000 |
| 2011-01-14 | Sold | $282,650 |
