38 Cosgrove Avenue, West Haverstraw, NY, 10993
About This Home
LOW TAXES! Charming 3-Bedroom, 1-Bath Colonial in West Haverstraw Discover the warmth and character of 38 Cosgrove Avenue, a delightful home offering 3 spacious bedrooms, 1 full bathroom, and a thoughtful layout perfect for comfortable living. Currently rented for $3,400 a month, this property also presents an excellent opportunity for investors or buyers seeking immediate rental income. As you step inside, you're greeted by a bright and inviting sunroom, ideal for relaxing with your morning coffee or enjoying a book in the afternoon light. From the sunroom, you’ll find the spacious dining room, seamlessly connected to a cozy family room—a wonderful space for hosting gatherings or creating cherished memories. The main level also features a well-equipped kitchen, designed for functionality and convenience, located just steps from a full bathroom and a dedicated laundry room, making daily routines a breeze. Upstairs, the second level offers three bedrooms, including a large master bedroom with plenty of space to unwind and recharge. The additional bedrooms are well-sized and versatile, perfect for guests, or even a home office. Outside, you’ll fall in love with the cozy and private yard, offering endless possibilities for gardening, outdoor dining, or simply soaking up the fresh air. Whether you’re hosting a barbecue or creating a tranquil outdoor retreat, this yard is the perfect complement to the home’s charm. Located on a quiet, tree-lined street in the heart of West Haverstraw, this home combines the best of small-town charm with easy access to local amenities, schools, parks, and shopping. Don’t miss this opportunity to own a home that offers the perfect blend of comfort, functionality, and charm. Schedule your private showing today and make 38 Cosgrove Avenue your forever home!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1906
Materials
- Construction materials: Advanced Framing Technique
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: None
Basement
- Has basement: Yes
- Basement: Crawl Space,Full,Unfinished
Bathroom1
- Level: First
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: First
Family Room
- Level: First
Features
- First Floor Full Bath
- Flooring: Hardwood
- Attic: None
Heating & Cooling
- Heating features: None
- Cooling features: None
Interior Area
- Total structure area: 1,316
- Total interior livable area: 1,316 sqft
Living Room
- Level: First
Master Bedroom
- Level: Second
Property
Details
- Parcel number: 39220302001900070120000000
- Special condition: None
Lot
- Lot size: 5,227 sqft
Parking
- Parking features: Other
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
- Winter Weather
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Rockland County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,219 | $26,628 |
| Home Insurance * | $138 | $1,656 |
| Property Taxes | $753 | $9,036 |
| Electricity | $246 | $2,954 |
| Total | $3,356 | $40,272 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-27 | Listed for sale | $439,000 |
| 2025-03-10 | Listing removed | $499,000 |
| 2025-01-09 | Listed for sale | $499,000 |
| 2022-04-13 | Sold | $315,000 |
| 2022-01-10 | Pending sale | $299,900 |
| 2021-11-30 | Listing removed | -- |
| 2021-11-17 | Listed for sale | $299,900 |
| 2011-11-17 | Listing removed | $179,900 |
| 2011-08-16 | Price change | $179,900 |
| 2011-07-26 | Price change | $189,900 |
| 2011-07-09 | Price change | $179,900 |
| 2011-04-23 | Listed for sale | $189,900 |
| 2011-04-18 | Sold | $85,000 |
| 2011-03-08 | Price change | $99,900 |
| 2011-01-27 | Price change | $125,000 |
| 2010-09-25 | Price change | $144,900 |
| 2010-08-28 | Price change | $152,900 |
| 2010-08-26 | Listed for sale | -- |
| 2010-07-03 | Listing removed | -- |
| 2010-06-26 | Listed for sale | -- |
| 2010-06-21 | Sold | $341,073 |
| 2006-01-13 | Sold | $330,000 |
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