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56 Twin Lakes Road, South Salem, NY, 10590

3beds
3baths
2,216sqft
$1,550,000
$699price/sqft
$11,146/moest. monthly cost
$445,840/yrincome needed

About This Home

Escape to your own private waterfront retreat on Lake Oscaleta! This natural glacial lake offers peaceful scenery and year-round recreation. The updated, 2,226-square-foot lakehouse combines quiet privacy with the warmth of a welcoming lake community. A private dock and sandy shallows provide gradual water entry, creating an ideal place for summer swimming, launching a kayak, fishing or simply relaxing at the water's edge. As the seasons change, the lake becomes a backdrop for boating, brilliant fall foliage, winter ice skating, spring birdwatching, and countless opportunities to reconnect with nature. Entertain outdoors on the slate patio and spacious lawn, or enjoy the ever-changing lake views from inside the home. Life on Lake Oscaleta is more than waterfront living -- it is a rare opportunity to experience the beauty, recreation, and sense of escape that only a lake community can offer. The open-concept kitchen, dining, and living areas are designed to maximize the views, anchored by hardwood floors and a wood-burning fireplace. A primary bedroom, full bathroom, versatile den or study, and second bathroom complete the main floor. Upstairs, a second primary bedroom and adjacent sitting room offer expansive vistas in any season, while a third bedroom and another full bathroom complete the upper level. A practical breezeway connects the home and garage, offering an additional sheltered outdoor space. Downstairs, a large unfinished basement is ready for storage and calls out for a home gym or a future recreation room. Whole-house emergency generator (propane). Katonah-Lewisboro School District, Twin Lakes Village/Two Lake Club HOA. Additional photos to follow... This property will not last—come see it for yourself before it is too late!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

7/10
John Jay Middle SchoolGrades 6-83.2 mi
10/10
John Jay High SchoolGrades 9-123.1 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1952

Materials

  • Construction materials: Block,Clapboard,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Indirect Water Heater,Water Softener Owned
  • Laundry features: Washer/Dryer Hookup,In Basement

Basement

  • Has basement: Yes
  • Basement: Storage Space,Unfinished

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Second

Den

  • Level: First

Features

  • First Floor Bedroom,First Floor Full Bath,Double Vanity,Entrance Foyer,Granite Counters,Open Floorplan,Primary Bathroom,Master Downstairs,Recessed Lighting,Storage
  • Flooring: Combination,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,216
  • Total interior livable area: 2,216 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 300003400B118310000029
  • Special condition: None
  • Other equipment: Generator
  • Exclusions: tbd

Features

  • Patio & porch: Covered,Patio,Terrace
  • Has view: Yes
  • View description: Lake,Panoramic
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront
  • Frontage length: 70 feet +/-

Lot

  • Lot size: 0.57 Acres
  • Features: Back Yard,Cul-De-Sac,Views

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • 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 $7,837$94,044
Home Insurance *$567$6,804
Property Taxes $2,376$28,512
Electricity $366$4,394
Total$11,146$133,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$382,148/yr
40% on housing$334,380/yr
45% on housing$297,226/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

$699This listing

vs Other Active Listings

Avg $/sqft

ZIP 10590$458
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10590$397
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
2026-07-23Listed for sale$1,550,000
2026-07-14Listing removed$16,000
2026-06-29Listed for rent$16,000
2012-04-09Sold$850,000
1996-10-03Sold$305,000

For Sale by Agent

AgentLawrence Mango
BrokerageGiner Real Estate Inc.

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