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20 S Mountain Pass Spur, Garrison, NY, 10524

5beds
5baths
6,216sqft
$3,200,000
$515price/sqft
$24,475/moest. monthly cost
$979,000/yrincome needed

About This Home

Just 60 minutes from Manhattan, this exceptional Hudson Highlands retreat offers a rare combination of architectural character, protected natural surroundings, and direct access to some of the region's most celebrated outdoor destinations. Set on 13 private acres across two separate lots--including a second vacant, buildable parcel--the property is tucked away on a quiet dirt road known for its strong sense of community, minimal traffic, and remarkable tranquility. Bordering the 8,000-acre Hudson Highlands State Park Preserve with more than 70 miles of trails, the estate enjoys a setting that feels both deeply secluded and endlessly connected to nature. Outdoor recreation begins at your doorstep. The property features its own trail network and private trailhead connecting directly to the Appalachian Trail, offering true hike-on, hike-off access. Walk to nearby lakes, explore the trails of the Russel Wright Design Center, hike to Anthony's Nose, or cycle directly from the property to Bear Mountain, one of the Northeast's premier road biking destinations. A seasonal stream, private campsite, and campfire area further enhance the experience of living immersed in the landscape. Designed by noted Hudson Valley architect Frank Dushin, the residence blends the warmth and craftsmanship of the Arts and Crafts tradition with the clean lines and thoughtful spatial design of modernism. Dramatic exposed beams, natural materials, and a striking sunken living room create spaces that feel both timeless and distinctly connected to their surroundings. The home has been extensively renovated, including a complete reimagining of the primary suite and bath, beautifully updated bathrooms throughout, and a thoughtfully designed laundry room. Two fireplaces, a screened porch, and expansive views of the surrounding gardens and woodlands create inviting spaces for every season. Outside, more than two decades of garden design by a beloved local horticulturist have shaped the landscape into a living extension of the home. Mature plantings, curated garden rooms, and woodland paths unfold across the property, creating beauty and interest throughout the year. A separate wellness pavilion includes a gym, steam room, dedicated shower facilities, outdoor hot tub, and connections for a future sauna, while a detached two-bedroom guest house with its own kitchen offers comfortable accommodations for family and visitors. Rarely does a property combine architectural pedigree, buildable acreage, direct trail access, protected parkland, established gardens, and resort-style amenities so close to New York City. This is a true Hudson Highlands sanctuary--private, peaceful, and connected to the landscape in every direction.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
Garrison SchoolGrades PK-83.2 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Pillar/Post/Pier,Slab
  • Roof: Shake
  • Construction materials: Cedar,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer,Refrigerator,Range,Dryer,Dishwasher
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Beamed Ceilings,Cathedral Ceiling(s),High Ceilings,Kitchen Island,Primary Downstairs,Soaking Tub,Walk-In Closet(s)
  • Flooring: Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 6,216

Heating & Cooling

  • Heating features: Baseboard,Heat Pump,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,216
  • Total interior livable area: 6,216 sqft

Property

Details

  • Parcel number: 90.14
  • Zoning: R80

Features

  • Levels: Two
  • Pool features: In Ground,Outdoor Pool,Pool/Spa Combo,Private
  • Has view: Yes
  • View description: Park/Greenbelt,Trees/Woods

Lot

  • Lot size: 13.20 Acres

Parking

  • Total spaces: 6
  • Parking features: Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
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 $16,180$194,160
Home Insurance *$1,615$19,380
Property Taxes $5,653$67,836
Electricity $1,027$12,327
Total$24,475$293,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$839,142/yr
40% on housing$734,250/yr
45% on housing$652,666/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

$515This listing

vs Other Active Listings

Avg $/sqft

ZIP 10524$576
Putnam County$327

vs Homes Sold Last Month

Median $/sqft

ZIP 10524$428
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
2026-06-05Listed for sale$3,200,000
2020-07-22Sold$1,850,000
2020-03-11Price change$2,000,000
2019-07-07Listed for sale$2,375,000
2002-05-09Sold$1,350,000
1997-02-25Sold$472,000

For Sale by Agent

AgentAnnabel Taylor
BrokerageFour Seasons Sotheby's Int.

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