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3 Miller Road, Putnam Valley, NY, 10579

4beds
3baths
3,492sqft
$899,999
$258price/sqft
$7,039/moest. monthly cost
$281,560/yrincome needed

About This Home

Welcome to 3 Miller Road, a charming four-bedroom, three-bathroom home on nearly an acre of peaceful grounds in Putnam Valley. Built in 1990 and spanning 3,492 square feet, this property offers incredible bones and tremendous potential for the right buyer ready to make it their own. The home features spacious, naturally lit rooms with classic architecture and well-proportioned layouts. High ceilings in the entryway and abundant windows flood the interior with natural light. A modern kitchen with dark cabinetry and granite countertops serves as a functional hub, while the flexible floor plan accommodates living, dining, and workspace needs. Multiple bedrooms showcase solid construction and good proportions—ideal for customization. The home includes bathrooms with classic fixtures and ample storage solutions throughout. You'll find a finished basement with workout and office potential, featuring a sliding glass door that provides natural light and outdoor connection (currently functional with minor cosmetic wear). This property is being sold as-is, presenting an excellent opportunity for buyers who appreciate the home's solid foundation and layout. With its generous square footage, mature landscaping, and quiet location on nearly an acre, this home rewards vision and thoughtful updates. The strong bones are all here—waiting for your personal touch to transform it into a cherished home. Peaceful grounds, spacious rooms, and endless possibility make this a compelling canvas for the right buyer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
8/10
Putnam Valley High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1990

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Microwave,Oven,Refrigerator,Washer
  • Laundry features: Washer/Dryer Hookup,In Hall

Basement

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

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Chandelier,Chefs Kitchen,Double Vanity,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,In-Law Floorplan,Open Floorplan,Primary Bathroom,Recessed Lighting,Storage,Tray Ceiling(s),Walk Through Kitchen
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Full,Pull Stairs,Storage,Unfinished

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,492
  • Total interior livable area: 3,492 sqft

Property

Details

  • Parcel number: 37280007300800010510000000
  • Special condition: None

Features

  • Patio & porch: Deck
  • Exterior features: Basketball Hoop

Lot

  • Lot size: 1.02 Acres
  • Features: Back Yard,Front Yard,Landscaped

Parking

  • Total spaces: 8
  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
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 $4,550$54,600
Home Insurance *$323$3,876
Property Taxes $1,589$19,068
Electricity $577$6,925
Total$7,039$84,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,337/yr
40% on housing$211,170/yr
45% on housing$187,706/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

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 10579$278
Putnam County$329

vs Homes Sold Last Month

Median $/sqft

ZIP 10579$310
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
2026-05-05Listed for sale$910,000
2020-02-15Listing removed$4,000
2020-01-18Listed for rent$4,000
2019-09-04Sold$508,000
2019-07-09Pending sale$535,000
2019-06-15Price change$535,000
2019-05-23Price change$550,000
2019-05-08Price change$575,000
2019-04-04Price change$599,000
2019-03-13Listed for sale$635,000

For Sale by Agent

AgentJules Zaphire
BrokerageLocqube New York, Inc.

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