19 Saint Michaels Terrace, Carmel, NY, 10512
About This Home
Welcome to this beautifully updated raised ranch, where modern style meets everyday comfort. From the moment you arrive, you'll appreciate the thoughtful upgrades and move-in-ready appeal throughout. The sun-filled main level features a renovated kitchen with contemporary finishes, ample cabinetry, and plenty of space for preparing meals and gathering with family and friends. The open, inviting living spaces create the perfect setting for both entertaining and relaxing with an above-ground pool and leveled backyard. Pool is recently filled and maintained with new liner. Offering three spacious bedrooms with the basement space being used as an extra master bedroom suite ideal for in-law! This home is filled with natural light and provides generous closet space for comfortable everyday living. The lower-level room is warm and welcoming—an ideal place to enjoy movie nights, create a playroom, home office, or fitness area, or simply unwind after a long day. Let your imagination go wild! Complete with an attached one-car garage and huge driveway that can easily accommodate over 10 cars, this exceptional home offers the perfect combination of comfort, functionality, and style. Don't miss the opportunity to make this beautiful home your own!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Actual
- Year built: 1967
Materials
- Foundation: Concrete Perimeter
- Construction materials: Frame,Vinyl Siding
Notable Dates
- Major remodel year: 1967
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Electric Water Heater
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Chandelier,Eat-in Kitchen,Entrance Foyer,Granite Counters
- Window features: Bay Window(s),Double Pane Windows,ENERGY STAR Qualified Windows,Oversized Windows,Skylight(s)
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
- Attic: Unfinished
Heating & Cooling
- Heating features: Baseboard,Oil
- Cooling features: Ductless,Wall/Window Unit(s)
Interior Area
- Total structure area: 2,060
- Total interior livable area: 2,060 sqft
Other
- Level: First
Other
- Level: Lower
Property
Details
- Parcel number: 37200004401500010140000000
- Special condition: None
- Other equipment: Pool Equip/Cover
Features
- Levels: Bi-Level
- Private pool: Yes
- Pool features: Above Ground
- Patio & porch: Deck,Patio
- Exterior features: Gas Grill,Mailbox
- Fencing: Fenced
Lot
- Lot size: 0.50 Acres
- Features: Level,Near School,Near Shops
Parking
- Total spaces: 10
- Parking features: Attached,Driveway,Garage,Garage Door Opener
- 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
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Putnam County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,907 | $34,884 |
| Home Insurance * | $214 | $2,568 |
| Property Taxes | $1,015 | $12,180 |
| Electricity | $340 | $4,085 |
| Total | $4,476 | $53,712 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-28 | Price change | $575,000 |
| 2026-07-14 | Listed for sale | $549,999 |
| 2018-02-26 | Sold | $375,000 |
| 2017-12-14 | Pending sale | $387,000 |
| 2017-12-13 | Listed for sale | $387,000 |
| 2017-12-13 | Pending sale | $387,000 |
| 2017-11-21 | Listed for sale | $387,000 |
| 2008-01-31 | Sold | $350,000 |
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