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103 Twin Brook Court, Carmel, NY, 10512

2beds
3baths
1,916sqft
$465,000
$243price/sqft
$3,661/moest. monthly cost
$146,440/yrincome needed

About This Home

Welcome Home to this Bright, spacious, and private 3 level townhouse in sought after Twin Brook Manor. The Twin Brook community consists of just 41 units set back on approximately 22 acres of land. The main floor consists of a kitchen, powder room and dining area open to the living room with a wood burning fireplace. The living room leads out to a deck with a view and is great for outdoor dining or a morning cup of coffee. Upstairs consists of Primary Bedroom w/ Updated Primary Full Bath, 2nd Bedroom with Private full bathroom and both with very spacious closets. The basement level is finished, with storage space/room, a washer/dryer, and a finished room with sliders that walkout to rear yard. The backyard behind the home is huge and is great for gatherings / entertaining or just throwing the ball around. Directly in front of the house, there are 2 assigned parking spaces directly in front of the home and with ample visitor parking close by. Come enjoy easy living, with all electric mechanicals including central air conditioning and forced hot air heating. HOA takes care of lawn, snow plowing, shoveling, exterior maintenance and much more. Partial exterior painting in 2017. Minutes from Centennial golf course and shopping. Easy commute to I-84, 684, Metro North Southeast Train Station and other amenities. Extraordinary privacy in a community setting.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

4/10
6/10
5/10
Brewster High SchoolGrades 9-122.3 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1987

Materials

  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Electric Water Heater,Refrigerator,Washer
  • Laundry features: Washer/Dryer Hookup,In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bathroom1

  • Level: First

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: Lower

Features

  • Eat-in Kitchen,Primary Bathroom,Storage
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Attic: Pull Stairs,Unfinished

Heating & Cooling

  • Heating features: Electric,Forced Air,Gravity,Heat Pump
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,916
  • Total interior livable area: 1,916 sqft

Kitchen

  • Level: First

Laundry

  • Level: Lower

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Office

  • Level: Lower

Property

Details

  • Parcel number: 37308904400000010130000103
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: Three Or More
  • Patio & porch: Deck
  • Exterior features: Courtyard,Gas Grill,Speakers

Lot

  • Lot size: 1,260 sqft
  • Features: Cul-De-Sac,Wooded

Parking

  • Total spaces: 2
  • Parking features: Assigned,Unassigned

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 WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Ice Storm
Lightning
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 $2,351$28,212
Home Insurance *$173$2,076
Property Taxes $821$9,852
Electricity $316$3,799
Total$3,661$43,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,520/yr
40% on housing$109,830/yr
45% on housing$97,626/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

$243This 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)

Price History

DateEventPrice
2026-04-21Price change$465,000
2026-02-18Listed for sale$475,000
2024-01-23Listing removed--
2023-12-11Listed for rent$3,250
2022-09-15Sold$390,000
2022-07-28Pending sale$375,000
2022-06-25Listed for sale$375,000
2004-09-03Sold$262,000

For Sale by Agent

AgentJacqueline A. Calhoun
BrokerageColdwell Banker Realty

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