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238 S Centerville Road, Middletown, NY, 10940

5beds
3baths
3,764sqft
$839,000
$223price/sqft
$6,576/moest. monthly cost
$263,040/yrincome needed

About This Home

Spacious Country Retreat on 22.6 Acres in Minisink Valley School District This exceptional property offers privacy, comfort, and extensive amenities set on 22.6 picturesque acres. The master bedroom and bathroom were updated in 2016, complemented by a wet bar in the family room—perfect for entertaining. The home features three fireplaces and a wood stove, creating warmth and character throughout. Major mechanical updates include a new furnace, hot water heater, oil tank, and six heating zones. The roof is approximately 12 years old with 40-year shingles, and vinyl windows were replaced in 2012. A water softener and water filtration system were installed 8 years ago. Outdoor highlights include a 30’ x 40’ pole barn, one-car garage, expansive deck ideal for gatherings, and a radiant in-ground pool with a brand-new liner (2024). Enjoy peaceful views of a private pond stocked with bass and ample space for outdoor recreation. Conveniently located close to major highways, supermarkets, shopping centers, and Garnet Medical Center, this property offers the perfect balance of seclusion and accessibility. Situated in the highly desirable Minisink Valley School District. 5 Bedrooms | 2 Full Baths | 1 Half Bath

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 1860

Materials

  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Microwave,Refrigerator,Washer,Oil Water Heater,Water Purifier Owned,Water Softener Owned
  • Laundry features: Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

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

Den

  • Level: Second

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Storage
  • Number of fireplaces: 3
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,764
  • Total interior livable area: 3,764 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Lavatory

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 3356000180000001033.1300000
  • Special condition: None

Features

  • Private pool: Yes

Lot

  • Lot size: 22.60 Acres

Parking

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hurricane
Inland Flooding
Lightning
Strong Wind

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 $4,242$50,904
Home Insurance *$300$3,600
Property Taxes $1,412$16,944
Electricity $622$7,464
Total$6,576$78,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$225,462/yr
40% on housing$197,280/yr
45% on housing$175,360/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

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 10940$207
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 10940$233
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
2025-12-23Listed for sale$849,000
2002-01-18Sold$260,000

For Sale by Agent

AgentLinda VanDeWeert
BrokerageBHG Real Estate Green Team

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