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2 Victor Lane, Carmel, NY, 10512

4beds
3baths
1,942sqft
$685,000
$353price/sqft
$5,248/moest. monthly cost
$209,920/yrincome needed

About This Home

Mahopac Central School District. On the market for the first time in over 30 years! Pull up a long private driveway into your own wooded sanctuary in the coveted Cherry Hill neighborhood of Carmel. This 4-bed, 3-bath alpine contemporary sits on 1.67 level acres, perched on a ridge where fall and winter bring views of Croton Falls Reservoir, and spring and summer transform the grounds into a nature lover's and gardener's dream — raspberry bushes, bald eagle sightings, birdwatching, open sky, and space to grow. No curtains no problem — dramatic vaulted ceilings and oversized architectural windows flood every room with natural light, even in the walkout basement which features windows and natural light — a rare find. Gather around the fireplace at the heart of the home, then step outside to a pergola deck and above-ground pool with own deck, visible from the primary bedroom. Multigenerational potential in walkout basement. Croton Falls Reservoir fishing and boating access. Lake Mahopac boat rentals nearby. The famous North Salem Farmers Market just down the road! Home and roof recently washed, gutters cleaned. Updated boiler and oil tank. 2-car garage. Cul-de-sac — neighbors who respect your space. Minutes from Croton Falls Metro-North — brand new parking, no waitlist. Bring your vision!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
5/10
Mahopac Middle SchoolGrades 6-103.9 mi
7/10
Mahopac High SchoolGrades 7,9-124.0 mi

Construction

Condition

  • Year built: 1978

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Oven,Electric Range,ENERGY STAR Qualified Appliances,Refrigerator,Stainless Steel Appliance(s),Washer,Oil Water Heater
  • Laundry features: Laundry Room

Basement

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

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • First Floor Full Bath,Central Vacuum,Chandelier,Eat-in Kitchen,Formal Dining,High Ceilings,His and Hers Closets,Open Kitchen,Original Details
  • Window features: Floor to Ceiling Windows,Oversized Windows,Skylight(s),Wall of Windows,Wood Frames
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Masonry,Wood Burning
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,942
  • Total interior livable area: 1,942 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Property

Details

  • Parcel number: 37200007700500020250000000
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Deck
  • Exterior features: Garden
  • Has view: Yes
  • View description: Trees/Woods,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 1.67 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters in Putnam County and New York

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 $3,463$41,556
Home Insurance *$255$3,060
Property Taxes $1,210$14,520
Electricity $320$3,851
Total$5,248$62,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,931/yr
40% on housing$157,440/yr
45% on housing$139,946/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: 2.8%
2.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$353This listing

vs Other Active Listings

Avg $/sqft

ZIP 10512$297
Putnam County$328

vs Homes Sold Last Month

Median $/sqft

ZIP 10512$282
Putnam County$318

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
2026-06-12Listed for sale$685,000
1995-12-28Sold$275,000

For Sale by Agent

AgentJessica K. Held
BrokerageReal Broker NY LLC

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