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46 Rowley Road, Eldred, NY, 12732

1beds
2baths
1,134sqft
$525,000
$463price/sqft
$3,916/moest. monthly cost
$156,640/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

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
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Sullivan County and New York

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 $2,654$31,848
Home Insurance *$225$2,700
Property Taxes $791$9,492
Electricity $246$2,954
Total$3,916$46,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,262/yr
40% on housing$117,480/yr
45% on housing$104,426/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -5.2%
-5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$463This listing

vs Other Active Listings

Avg $/sqft

ZIP 12732$187
Sullivan County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 12732
Sullivan County$209

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
2026-06-18Listed for sale$525,000
2011-01-14Sold$282,650

For Sale by Agent

AgentErik Freeland
BrokerageCountry House Realty Inc

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