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189 Pound Ridge Road, Bedford, NY, 10506

2beds
1baths
950sqft
$675,000
$711price/sqft
$5,030/moest. monthly cost
$201,200/yrincome needed

About This Home

Nestled on a picturesque three-quarter-acre in the heart of Bedford Village, this charming country cottage blends historic character with thoughtful modern updates. The two-bedroom, (originally 3) one-bath home features antique wide-plank wood floors, quartz countertops, and an expansive deck overlooking beautifully landscaped gardens. A renovated accessory dwelling unit (ADU) offers exceptional flexibility with a full kitchen and bath. (an additional 282 sq ft.) Legally rentable, it's also ideal as a guest house, private home office or artist's studio. Rich in local history, the property occupies the original site of Bedford's first schoolhouse and sits across from the historic stagecoach stop, offering an opportunity to enjoy the timeless charm of village living. *Note: By appointment only. Please do not enter property unless accompanied by an agent.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

7/10
Fox Lane Middle SchoolGrades 6-82.6 mi
7/10
Fox Lane High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Other
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Cooktop,Gas Oven,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer,Oil Water Heater,Water Purifier Owned
  • Laundry features: In Kitchen

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s),Partial,Unfinished

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath,Ceiling Fan(s),Quartz/Quartzite Counters
  • Flooring: Wood
  • Fireplace features: None
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Electric,Hot Water
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 950
  • Total interior livable area: 950 sqft

Other

  • Level: First

Other

  • Level: Basement

Other

  • Level: Other

Property

Details

  • Parcel number: 2000084012000020000007
  • Special condition: None
  • Other equipment: Generator
  • Exclusions: None

Features

  • Levels: One
  • Exterior features: Mailbox
  • Fencing: Wood

Lot

  • Lot size: 0.78 Acres
  • Features: Level

Parking

  • Total spaces: 1
  • Parking features: Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Hurricane
Landslide
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Westchester 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 $3,413$40,956
Home Insurance *$336$4,032
Property Taxes $1,035$12,420
Electricity $246$2,954
Total$5,030$60,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,457/yr
40% on housing$150,900/yr
45% on housing$134,133/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: 5.8%
5.8%
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

$711This listing

vs Other Active Listings

Avg $/sqft

ZIP 10506$521
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10506$358
Westchester County$422

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
2026-07-09Listed for sale$675,000
2003-03-17Sold$375,000
2000-04-10Sold$210,000

For Sale by Agent

AgentCaroline Shepherd
BrokerageHoulihan Lawrence Inc.

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