165 W Lakeshore Drive, Carmel, NY, 10512
About This Home
165 West Lakeshore Drive, Carmel, NY Wake up every day to breathtaking lake views in this charming lakeside home overlooking beautiful Lake Carmel. Perfectly positioned to capture the water from multiple rooms, this property offers a rare opportunity to enjoy peaceful lake living just minutes from town. Step inside and you’ll immediately notice the sun-filled living spaces and panoramic lake views. The spacious living room features large windows that frame the water, filling the home with natural light and creating a relaxing atmosphere year-round. A bright dining area with lake views makes the perfect spot for morning coffee or evening meals while enjoying the scenery. The home offers a functional layout with multiple levels of living space, providing flexibility for everyday living, weekend getaways, or hosting guests. The kitchen provides ample cabinet space and flows easily into the main living areas. Outside, the property truly shines. The terraced yard and stone patio areas create a natural setting for outdoor gatherings, summer barbecues, or simply relaxing while overlooking the lake. Mature trees provide privacy and shade, while the elevated position gives the home a beautiful vantage point over the water. Additional features include: • Off-street parking with driveway • Lower level with laundry and additional storage space • Multiple outdoor areas to enjoy the lake setting • Large windows throughout bringing in natural light and views • Convenient location near shops, restaurants, and major commuting routes Whether you’re looking for a weekend retreat, year-round home, or investment opportunity, this property offers incredible potential in a sought-after lake community. Enjoy boating, fishing, kayaking, and all the outdoor recreation that Lake Carmel living has to offer. Come see the views and imagine the possibilities — this lakeside home is ready for its next chapter.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Oven,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Formal Dining,Other
- Attic: Pull Stairs
Heating & Cooling
- Heating features: Baseboard,Other
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 2,436
- Total interior livable area: 2,436 sqft
Property
Details
- Parcel number: 37220003304900010060000000
- Special condition: None
Features
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Beach Access,Lake Front,Lake Privileges,Water Access,Waterfront
Lot
- Lot size: 0.41 Acres
Parking
- Total spaces: 5
- Parking features: Private
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 | $2,149 | $25,788 |
| Home Insurance * | $158 | $1,896 |
| Property Taxes | $750 | $9,000 |
| Electricity | $402 | $4,830 |
| Total | $3,459 | $41,508 |
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 |
|---|---|---|
| 2026-04-16 | Price change | $499,000 |
| 2026-04-06 | Price change | $509,000 |
| 2026-03-16 | Listed for sale | $529,000 |
| 1985-06-01 | Sold | $96,000 |
View on Zillow