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56 Vails Lakeshore Drive, Brewster, NY, 10509

4beds
3baths
2,378sqft
$520,000
$219price/sqft
$4,135/moest. monthly cost
$165,400/yrincome needed

About This Home

A place where every day feels like a summer weekend or a vacation. This is updated four bedroom home in the sought-after Vails Grove community on Peach Lake offers the ultimate lakeside lifestyle within the North Salem School District. The main level features a bright, modern kitchen open to a great room that flows seamlessly through glass doors onto an spacious deck. The gardens and sweeping western views capture the lake’s most spectacular sunsets. The primary suite, complete with its own full bath, and two additional bedrooms and full bath are also on the main floor. The lower level layout offers incredible flexibility with a fourth bedroom, another full bath, and a bonus room perfect for a home office, art studio, or kids' playroom. Living in Vails Grove means you’re steps away from its community beach with swimming, boating and playground. Feel worlds away from the hustle, but be just minutes to Croton Falls with shops, Metro North Train Station and seasonal Saturday North Salem farmers market, and to Danbury and Ridgefield with restaurants, arts, entertainment and shopping.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1935

Materials

  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 1993

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Other,Oven,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Partial,Storage Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • First Floor Bedroom,First Floor Full Bath,Granite Counters,Open Floorplan,Original Details,Other
  • Attic: Full

Heating & Cooling

  • Heating features: Baseboard,Oil,Other
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,378
  • Total interior livable area: 2,378 sqft

Property

Details

  • Parcel number: 37308907900000010400000115
  • Special condition: None

Features

  • Levels: Two
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 436 sqft

Parking

  • Total spaces: 2
  • Parking features: Common,Driveway,Other
  • 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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
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 $2,629$31,548
Home Insurance *$196$2,352
Property Taxes $918$11,016
Electricity $392$4,715
Total$4,135$49,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,771/yr
40% on housing$124,050/yr
45% on housing$110,266/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

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 10509$332
Putnam County$329

vs Homes Sold Last Month

Median $/sqft

ZIP 10509$288
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
2026-06-16Listed for sale$520,000
2026-03-24Listing removed$570,000
2025-11-21Listed for sale$570,000
2021-08-16Sold$425,000
2021-04-12Pending sale$394,999
2021-03-26Listed for sale$394,999
2021-03-01Listing removed--
2021-02-03Price change$399,000
2020-10-05Listed for sale$425,000
2004-06-15Sold$325,000

For Sale by Agent

AgentPatti J. Howard
BrokerageCompass Greater NY, LLC

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