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806 Half Moon Bay Drive, Croton On Hudson, NY, 10520

3beds
3baths
2,580sqft
$1,350,000
$523price/sqft
$9,743/moest. monthly cost
$389,720/yrincome needed

About This Home

Always wanted to live on the water? Don't miss this 3 bedroom, 2 1/2 bath townhome with balcony overlooking the Hudson and its glorious sunsets! Set within one of Westchester County’s most desirable Hudson River communities and locations, Half Moon Bay offers an exceptional lifestyle opportunity in Croton-on-Hudson, recognized by USA Today as the best place to live in New York State. Enjoy resort-style living in a truly exceptional waterfront setting with plenty of space and river views from most rooms. This gated waterfront community provides an impressive array of resort-style amenities, including two pools, two clubhouses, two tennis courts, a playground, gym, sauna, marina access, and a complimentary jitney to Croton-Harmon Metro-North with a 46 min express to NYC. Nestled between two parks, with walking and bike trails on either side, it's a nature/water lover's dream come true. The village, shops, restaurants, train and more are all just a few minutes' walk from the complex. No car? no problem. Sailing, boating, kayaking, paddle and kiteboarding all right outside your door. Hard to imagine such a glorious place in the Metro area, but it's true. Once you visit, you'll never want to leave. Half Moon Bay offers a truly one-of-a-kind lifestyle in one of the most convenient locations north of New York City. Nothing compares to this extraordinary blend of waterfront living, natural beauty, and everyday ease. Taxes with STAR approximately $10,697.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
54
BikeBikeable

Schools

7/10
10/10
Croton Harmon High SchoolGrades 9-121.0 mi
8/10
Carrie E Tompkins SchoolGrades K-41.4 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 2003

Materials

  • Construction materials: Frame,Vinyl Siding

Other

  • Builder model: Commander

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Entrance Foyer,Formal Dining,Open Floorplan,Primary Bathroom,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Scuttle
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Hot Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,580
  • Total interior livable area: 2,580 sqft

Other

  • Level: Lower

Other

  • Level: First

Other

  • Level: Second

Property

Accessibility

  • Accessibility features: Stair Lift

Details

  • Parcel number: 220307802000001000000120
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: Three Or More
  • Pool features: In Ground,Outdoor Pool
  • Exterior features: Balcony,Basketball Court,Courtyard,Garden,Mailbox,Playground,Private Entrance,Tennis Court(s)
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 2,614 sqft

Parking

  • Total spaces: 4
  • Parking features: Attached,Driveway,Garage,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
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 $6,826$81,912
Home Insurance *$421$5,052
Property Taxes $2,070$24,840
Electricity $426$5,116
Total$9,743$116,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$334,045/yr
40% on housing$292,290/yr
45% on housing$259,813/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

$523This listing

vs Other Active Listings

Avg $/sqft

ZIP 10520$435
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10520$420
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
2026-06-12Listed for sale$1,350,000
2005-03-25Sold$900,000

For Sale by Agent

AgentLynn A. Harmonay
BrokerageNorth Country Sothebys Int Rlt

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