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11 Kemble Avenue, Cold Spring, NY, 10516

2beds
2baths
1,080sqft
$635,000
$588price/sqft
$4,767/moest. monthly cost
$190,680/yrincome needed

About This Home

Charming Historic Village Home in an unbeatable location. Tucked into one of the most desirable settings in the Village of Cold Spring, this charming home offers comfort, privacy, and convenience just moments from the village’s shops, restaurants, trails, and commuter rail access. While maintaining much of the original character and details of this Cold Spring Foundry Worker home. Warm, cozy, and peaceful, the home blends original details with practical everyday living while also offering exciting potential opportunities for buyers seeking to expand, modernize, or further enhance the property over time. The spacious living room features abundant natural light and beautiful original wood floors. An original staircase adds timeless charm, while hardwood floors continue throughout key living spaces. The bright primary bedroom offers generous light and an oversized closet, creating a comfortable retreat. Upstairs, the bathroom includes a roomy linen cabinet for added storage. The thoughtfully designed eat-in kitchen is well laid out with ample cabinet storage and excellent functionality. A dedicated study/office alcove provides the perfect setup for working from home, reading, or creative pursuits. Outside, enjoy a secluded backyard ideal for relaxing or entertaining, along with convenient off-street parking. Additional features include forced hot water heat, oil fuel with above-ground tank, 200-amp electric service, and a full basement offering excellent storage space. Whether enjoyed as-is or thoughtfully renovated to suit your vision, this is a rare opportunity to own a distinctive village home with personality, flexibility, and an exceptional Cold Spring location.

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10
Haldane Middle SchoolGrades 6-80.4 mi
10/10
Haldane High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1860

Materials

  • Foundation: Other
  • Construction materials: Other,Unknown

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Original Details
  • Flooring: Combination
  • Attic: None

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,080
  • Total interior livable area: 1,080 sqft

Property

Details

  • Parcel number: 37260104801200020540000000
  • Attached to another structure: Yes
  • Special condition: None

Lot

  • Lot size: 2,500 sqft

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 $3,210$38,520
Home Insurance *$190$2,280
Property Taxes $1,121$13,452
Electricity $246$2,954
Total$4,767$57,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,440/yr
40% on housing$143,010/yr
45% on housing$127,120/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

$588This listing

vs Other Active Listings

Avg $/sqft

ZIP 10516$387
Putnam County$328

vs Homes Sold Last Month

Median $/sqft

ZIP 10516$386
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
2026-04-28Listed for sale$635,000
2019-07-18Sold$300,000
2006-08-02Sold$100,000

For Sale by Agent

AgentWilliam R. Pugh
BrokerageHoulihan Lawrence Inc.

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