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14 Steele Rd, New Windsor, NY, 12553

3beds
2baths
3,018sqft
$451,000
$149price/sqft
$3,675/moest. monthly cost
$147,000/yrincome needed

About This Home

Online Only auction ending July 22nd at AARauctions. No Minimum Starting Bid! 3,000+sq.ft. cedar-shake Cape Cod features 3 bedrooms (Master BR with large dressing area on main floor) and 1.5 baths on .50+/-acre parcel. The property has been improved to enjoy outdoor living and entertaining, with a large rear deck outside the kitchen featuring built-in seating, attached 19'6"x11'6"' screen house with fan, cable wiring and cabinets, plus a fenced 18'x36' in-ground pool with paver walkways, tanning deck, and 2-room cabana, set far enough away from the home to allow boisterous play without affecting those relaxing near the house. Enjoy quiet contemplation on the large 'sun tan rock' overlooking the pool area that came all the way from a Canadian field via glacier (per SUNY New Paltz Geology Dept) with embedded fossils. The kitchen features granite counters, glass-front upper cabinets, folding pantry storage, pull-out pantry storage, and a center island with plenty of drawers. The adjacent light-filled dining area has the same tile floor as the kitchen for easy maintenance. You will certainly enjoy entertaining in the super-spacious walnut-paneled (real wood planks) living room with a beamed ceiling and recessed lighting - it measures 30' x 21.5'! There is an outdoor balcony/deck off the living room that overlooks the driveway and Washington Lake basin. Downstairs is a finished basement with 1-2 areas that can be used for an office or gaming. A partition leads to a large storage area with built-in shelving and the boiler room with a washer-dryer and even more storage. The foyer entry is separate and adjacent to the oversized 1-car garage, with electric space heaters for winter hobby projects. A 500-gallon oil tank was replaced in March 2024 with a new Roth Double Wall Tank, which includes a transferable 30-year warranty to the new owner and beyond. (Note: The inground pool has been properly winterized and treated for summer conditioning. The permeable cover allows rain or snow melt to seep in but keeps out leaves and blown debris.) The entire property is comfortably shaded by old-growth oak, maple, and Hickory trees. Public water and sewer by the Town of New Windsor (old well is capped and unused). I-84 & I-87 are only 5 minutes away, making commutes convenient. Washington Lake is across the street with BBQ, fishing, playground, and seating. ShopRite, Adam's, Stop-N-Shop, Home Depot, Lowes, Stewart International Airport, Broadway and the Newburgh waterfront, Purple Heart Museum, Cantonment Historical site, Black Rock preserve, Storm King Mountain, Scenic Hudson Highlands, West Point Military Academy, and much more are all within a few minutes. NYS licensed associate broker discloses interest.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

3/10
Temple Hill SchoolGrades K-80.7 mi

Construction

Condition

  • Year built: 1950

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 3,018

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 3,018
  • Total interior livable area: 3,018 sqft

Property

Details

  • Parcel number: 000000004.0000001070.000
  • Lease amount: 0
  • Special condition: Auction

Features

  • Frontage length: 0

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 2
  • Parking features: 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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $2,280$27,360
Home Insurance *$138$1,656
Property Taxes $759$9,108
Electricity $498$5,985
Total$3,675$44,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,000/yr
40% on housing$110,250/yr
45% on housing$98,000/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 12553$218
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 12553$258
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

No price history available

Unknown Listed By

AgentFrank Pietrzak
BrokerageABSOLUTE AUCTION AND REALTY INC

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