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TBD Kirbytown Road, Middletown, NY, 10940

4beds
3baths
2,174sqft
$699,900
$322price/sqft
$5,326/moest. monthly cost
$213,040/yrincome needed

About This Home

Welcome to your brand-new home, located on a 2.4 acre wooded lot in the Minisink Valley school district. The Reese model colonial was thoughtfully designed, offering 4 bedrooms and 2.5 baths with plenty of space to grow and make memories. On the first floor, you’ll find a bright and inviting living room with beautiful hardwood floors and a cozy fireplace—perfect for movie nights or gathering with friends. A first-floor bedroom offers flexibility for guests or a home office, while the dining area with sliders to the deck makes summer barbecues and backyard fun a breeze. The custom kitchen is the heart of the home, featuring a center island, quartz countertops, and an oversized pantry that keeps everything organized. Upstairs, the spacious second level includes the laundry room (so convenient!), along with three bedrooms, each with its own walk-in closet. The primary suite feels like a retreat, with a huge walk-in closet, spa-like private bath, double vanity, tiled shower, and a soaking tub for relaxing evenings. Additional features include spray foam insulation, a full unfinished basement, a two-car garage, and central A/C for year-round comfort. This home blends modern comfort with a warm, welcoming feel—ready for you to move in and make it your own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
2/10
Monhagen Middle SchoolGrades 6-81.2 mi
5/10
Middletown High SchoolGrades 9-123.9 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Construction materials: Vinyl Siding

Other

  • Builder model: Reese

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: First

Dining Room

  • Level: First

Features

  • First Floor Bedroom,Ceiling Fan(s),Chandelier,Double Vanity,Eat-in Kitchen,Entrance Foyer,Formal Dining,Kitchen Island,Marble Counters,Pantry,Primary Bathroom,Quartz/Quartzite Counters,Soaking Tub
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Scuttle

Heating & Cooling

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

Interior Area

  • Total structure area: 2,174
  • Total interior livable area: 2,174 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Lavatory

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Office

  • Level: First

Property

Details

  • Parcel number: 3356000040000001048.1120000
  • Special condition: None

Features

  • Patio & porch: Covered,Deck,Porch

Lot

  • Lot size: 2.40 Acres
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • 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
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Lightning
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 $3,539$42,468
Home Insurance *$250$3,000
Property Taxes $1,178$14,136
Electricity $359$4,311
Total$5,326$63,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,605/yr
40% on housing$159,780/yr
45% on housing$142,026/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 10940$205
Orange County$274

vs Homes Sold Last Month

Median $/sqft

ZIP 10940$233
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
2026-03-11Listed for sale$699,900
2025-10-15Sold$125,000
2025-10-03Price change$699,000
2025-08-05Pending sale$125,000
2025-07-21Price change$125,000
2022-12-19Listed for sale$999,000
2018-02-09Sold$40,000

New Construction

AgentChristopher M Ogden
BrokerageRealty Promotions Inc

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