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28 Hilltop Drive, New Windsor, NY, 12553

4beds
1baths
1,210sqft
$349,000
$288price/sqft
$2,704/moest. monthly cost
$108,160/yrincome needed

About This Home

Welcome to 28 Hilltop Drive. This lovely home is priced to sell, so come and see for yourself! Starting with the front of home with its curb appeal and property, you can see it is very well maintained and inviting. The backyard with its large and sturdy deck is a perfect place to relax, be peaceful or entertain friends and family. As you turn onto Hilltop Drive you will appreciate the handsome neighborhood and your new neighbors. Entering front door there is a good-sized living room with attractive laminate flooring and sunshine. Kitchen has ample space, an easy flow to maneuver, a pass-through opening to dining room as well as brand new flooring. The dining room has enough room to easily accommodate. Bathroom tastefully updated 2020. Two roomy bedrooms on 1st floor and two sizable bedrooms on second level with storage space. Very large walkout basement that has potential for future living space. Garage at present was used as workshop. Short drive from property to Newburgh Waterfront which is a vibrant dining and entertainment hub on the shore of the Hudson River. Waterfront has beautiful unobstructed views of the river and mountains. Also, a convenient location for commuters.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
New Windsor SchoolGrades K-50.3 mi
2/10
South Middle SchoolGrades 6-80.8 mi

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Frame

Notable Dates

  • Major remodel year: 1956

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Gas Oven,Gas Range,Refrigerator,Washer
  • Laundry features: In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • First Floor Bedroom,First Floor Full Bath,Ceiling Fan(s),Formal Dining,Master Downstairs
  • Flooring: Carpet,Laminate
  • Attic: None

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,210
  • Total interior livable area: 1,210 sqft

Living Room

  • Level: First

Property

Details

  • Parcel number: 3348000160000004015.0000000
  • Special condition: None

Features

  • Levels: Two
  • Patio & porch: Deck

Lot

  • Lot size: 8,625 sqft
  • Features: Back Yard,Cleared,Front Yard,Landscaped,Level

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage,Off Street
  • 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

  • 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 $1,764$21,168
Home Insurance *$107$1,284
Property Taxes $587$7,044
Electricity $246$2,954
Total$2,704$32,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,708/yr
40% on housing$81,120/yr
45% on housing$72,106/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

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 12553$215
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$349,000
2026-08-04Listing removed$349,000
2026-07-23Listed for sale$349,000

For Sale by Agent

AgentJuliann McGuinniss
BrokerageCurasi Realty, Inc.

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