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1248 Lakes Road, Monroe, NY, 10950

5beds
3baths
2,928sqft
$675,000
$231price/sqft
$5,246/moest. monthly cost
$209,840/yrincome needed

About This Home

Come see why this sprawling tri-level has never been for sale. It's been family loved and cared for since it was built in the 60's and it is ready for the next loving occupant. Four bedrooms and 2 full bathrooms make up the top floor including the master suite. Driveway is roundabout style for those who prefer easy access or a valet entrance. If you have a large family, love to host gatherings or just want the space, this is your estate! Features 3000 sqft with 5+ bedrooms, 2.5 bathrooms, master suite, family room/den with custom theatre cabinets and wired for sound system, Tesla solar (4454 kWh last year), hardwoods throughout, oversized 2-car garage, new hot water heater, potential in-law suite with separate entrance/heating, and wood burning stone fireplace on a large acre parcel only ten minutes to the train station. The property is peacefully and privately located directly across the street from Greenwood Lake Middle school. Unique and convenient location, mailing address is Monroe, but the house is in the Town of Warwick, only 5 miles to Greenwood Lake Beach and boating. The Warwick eateries, orchards and wineries are only a short ride away for easy access weekends.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Property condition: Actual
  • Year built: 1967

Materials

  • Foundation: Block,Stone
  • Construction materials: Block,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Range,Refrigerator
  • Laundry features: In Basement,Laundry Room

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Unfinished

Bathroom1

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Lower

Dining Room

  • Level: First

Family Room

  • Level: Lower

Features

  • Breakfast Bar,Built-in Features,Eat-in Kitchen,Entertainment Cabinets,Open Floorplan,Open Kitchen,Original Details,Primary Bathroom,Speakers,Wired for Sound
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Decorative,Living Room,Masonry,Wood Burning
  • Fireplace: Yes
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas,Solar,Steam
  • Cooling features: None

Interior Area

  • Total structure area: 2,928
  • Total interior livable area: 2,928 sqft

Kitchen

  • Level: First

Laundry

  • Level: Lower

Lavatory

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Other

  • Level: Lower

Property

Details

  • Parcel number: 3354890470000001010.2100000
  • Special condition: None

Features

  • Levels: Tri-Level

Lot

  • Lot size: 0.92 Acres

Parking

  • Total spaces: 10
  • Parking features: Off Street,Oversized
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $3,413$40,956
Home Insurance *$214$2,568
Property Taxes $1,136$13,632
Electricity $483$5,806
Total$5,246$62,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,862/yr
40% on housing$157,380/yr
45% on housing$139,893/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 10950$309
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 10950$294
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
2026-07-31Listed for sale$675,000
2021-03-24Listing removed--
2012-12-12Listing removed$399,000
2012-09-13Listed for sale$399,000
1998-05-13Sold$180,000

For Sale by Agent

AgentJoseph F Galu
BrokerageKeller Williams Realty

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