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12 Gifford Lake Drive, Armonk, NY, 10504

6beds
8baths
9,238sqft
$5,950,000
$644price/sqft
$42,717/moest. monthly cost
$1,708,680/yrincome needed

About This Home

Privately set along a winding drive in the coveted Gifford Lake enclave of Armonk, this extraordinary estate offers the feeling of a year-round retreat. Homes of this caliber are defined by extraordinary millwork, full stone cladding, bespoke interior detailing, and museum-quality finishes, reflecting an uncompromising standard of craftsmanship rarely realized in today’s luxury landscape. While rich in architectural pedigree and old-world craftsmanship, the home’s thoughtfully curated color palette, refined designer lighting, and seamless integration of modern materials and fixtures create a sophisticated and current aesthetic. The result is a timeless yet fresh ambiance that feels elegant, vibrant, and thoughtfully modern in its presentation. The exceptional depth of materials and masterful execution throughout this Gifford Lake estate truly distinguish it from anything else on the market. Hand-finished Venetian plaster, intricate custom paneling and wainscoting, richly detailed coffered ceilings, curated designer lighting, premium marble and granite selections, and an extensive stone package that would be extraordinarily costly to replicate today establish a remarkable level of quality. A stone-pillared entry and antique granite courtyard introduce the home’s architectural pedigree. Inside, a dramatic double-height foyer with chevron hardwood flooring, elaborate millwork, coffered ceilings, and a sweeping staircase immediately showcase the craftsmanship carried throughout the residence. Five fireplaces with custom mantels and marble surrounds, crown molding across all levels, bespoke cabinetry, designer wallcoverings, premium marble and leathered granite surfaces, and integrated Sonos audio elevate every space. The chef’s kitchen features Wolf and Sub-Zero appliances, Arabescato marble, a substantial leathered granite island, custom wood cabinetry with glass display uppers, and a glass-wrapped breakfast area filled with natural light. The owner’s retreat serves as a private sanctuary with architectural ceiling detail, a bespoke dressing room with center island, radiant heated spa bath, and refined marble finishes. The fully finished walk-out garden level continues the home’s elevated design with a custom theater and built-in snack bar, brick fireplace lounge, bespoke bar, fitness studio, and resort-style entertaining spaces. Outdoors, full stone cladding, copper detailing, a heated saltwater pool and spa, custom outdoor kitchen, pergola, and professionally landscaped grounds complete this irreplaceable estate offering. Conveniently located near schools, shops, and acclaimed dining in the nearby towns of Armonk, Bedford, and Greenwich, and served by the award-winning Byram Hills School District. Some Photos enhanced for seasonal representation.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

--
Coman Hill SchoolGrades K-21.1 mi
8/10
9/10
Byram Hills High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 2008

Materials

  • Construction materials: Stone,Wood Siding

Notable Dates

  • Major remodel year: 2015

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Oven,Gas Range,Refrigerator
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Storage Space,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 8
  • Full bathrooms: 7
  • 1/2 bathrooms: 1

Features

  • First Floor Bedroom,First Floor Full Bath,Built-in Features,Central Vacuum,Chandelier,Chefs Kitchen,Crown Molding,Double Vanity,Eat-in Kitchen,Entrance Foyer,Formal Dining,Kitchen Island,Speakers,Storage,Whole House Entertainment System
  • Window features: Oversized Windows,Wall of Windows
  • Number of fireplaces: 5
  • Fireplace features: Basement,Bedroom,Family Room,Gas,Living Room
  • Fireplace: Yes
  • Attic: Walkup

Heating & Cooling

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

Interior Area

  • Total structure area: 10,849
  • Total interior livable area: 9,238 sqft

Other

  • Level: First

Other

  • Level: Second

Other

  • Level: Lower

Property

Details

  • Parcel number: 380010900000001000000104910000
  • Special condition: None
  • Exclusions: Light Fixtures

Features

  • Levels: Two
  • Private pool: Yes
  • Pool features: In Ground,Pool Cover,Pool/Spa Combo
  • Exterior features: Courtyard,Lighting,Speakers
  • Has spa: Yes
  • Fencing: Fenced,Perimeter
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 2.19 Acres

Parking

  • Total spaces: 5
  • Parking features: Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Westchester 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 $30,086$361,032
Home Insurance *$1,982$23,784
Property Taxes $9,123$109,476
Electricity $1,526$18,320
Total$42,717$512,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,464,582/yr
40% on housing$1,281,510/yr
45% on housing$1,139,120/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$644This listing

vs Other Active Listings

Avg $/sqft

ZIP 10504$513
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10504$524
Westchester County$422

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
2026-03-06Listed for sale$5,950,000
2015-01-22Sold$2,250,000
2014-08-15Listing removed$3,100,000
2014-07-09Price change$3,100,000
2014-05-01Listed for sale$3,595,000

For Sale by Agent

AgentJaimme Pudalov
BrokerageHoulihan Lawrence Inc.

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