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15 Schuyler Road, Carmel, NY, 10512

2beds
1baths
876sqft
$335,000
$382price/sqft
$2,655/moest. monthly cost
$106,200/yrincome needed

About This Home

Welcome to this adorable and charming cottage, where comfort and character come together in the perfect setting. Filled with sunshine, the bright and inviting rooms create a warm, cheerful atmosphere throughout the home. Start your mornings on the lovely front porch with a cup of coffee and enjoy the peaceful surroundings. Conveniently located close to transportation, shopping, dining, and everyday amenities, this delightful property offers both accessibility and tranquility. Whether you're looking for your first home, a cozy weekend retreat, or the perfect country getaway, this cottage is ready to welcome you. With its comfortable layout, abundant natural light, and timeless charm, this special home is the perfect place to relax, unwind, and create lasting memories.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

8/10
Kent Elementary SchoolGrades K-41.4 mi
3/10
7/10
Carmel High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1945

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Humidifier,Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: See Remarks

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Breakfast Bar,Cathedral Ceiling(s),Ceiling Fan(s),Formal Dining,High Ceilings
  • Flooring: Other
  • Attic: Full

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Central Air

Interior Area

  • Total structure area: 876
  • Total interior livable area: 876 sqft

Other

  • Level: First

Property

Details

  • Parcel number: 37220002205700010280000000
  • Special condition: None

Features

  • Levels: One
  • Patio & porch: Deck

Lot

  • Lot size: 0.59 Acres

Parking

  • Parking features: Driveway
  • 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

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $1,693$20,316
Home Insurance *$125$1,500
Property Taxes $591$7,092
Electricity $246$2,954
Total$2,655$31,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,028/yr
40% on housing$79,650/yr
45% on housing$70,800/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

$382This listing

vs Other Active Listings

Avg $/sqft

ZIP 10512$300
Putnam County$329

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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$335,000
2026-06-17Listed for sale$335,000
2026-06-16Listing removed$2,975
2026-05-23Listed for rent$2,975
2021-04-12Sold$185,000
2021-01-19Pending sale$192,000
2021-01-09Listed for sale$192,000

For Sale by Agent

AgentSandra Smith
BrokerageHoward Hanna Rand Realty

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