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18 Old Lake Road, Congers, NY, 10920

3beds
3baths
1,850sqft
$628,000
$339price/sqft
$4,724/moest. monthly cost
$188,960/yrincome needed

About This Home

Welcome home to this beautifully renovated 3-bedroom, 2.5-bath townhome that perfectly blends modern style with everyday comfort. This light-filled, turnkey home offers nothing to do but unpack and enjoy! The stunning kitchen is the heart of the home, featuring elegant two-tone cabinetry, quartz countertops, and a spacious peninsula with seating—perfect for casual dining, entertaining, or gathering. Rich hardwood flooring flows throughout, complemented by recessed lighting and ceiling fans, creating a warm and inviting atmosphere.The dramatic double-story ceiling in the spacious living room fills the space with natural light and an open,airy feel. A formal dining room provides the ideal setting for hosting holidays and special occasions. Upstairs, a versatile loft offers endless possibilities as a home office, den, playroom, or flex space to suit your lifestyle. The large primary suite features a private ensuite, creating a relaxing retreat at the end of the day. Step outside to an exceptionally large paver patio, perfect for outdoor dining, entertaining, or simply unwinding. Additional highlights include a one-car garage and a prime location not too far from the complex pool. With its stylish renovations, thoughtful layout, and unbeatable condition, this move-in-ready home truly has it all. Don't miss this incredible opportunity to own a beautifully updated home in a highly desirable community!

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1985

Materials

  • Construction materials: Block,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Dryer,Gas Oven,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer,Gas Water Heater

Basement

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

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Chandelier,Eat-in Kitchen,Formal Dining,Galley Type Kitchen,Primary Bathroom,Quartz/Quartzite Counters,Recessed Lighting,Storage
  • Flooring: Hardwood,Tile
  • Attic: Partial

Heating & Cooling

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

Interior Area

  • Total structure area: 1,850
  • Total interior livable area: 1,850 sqft

Property

Details

  • Parcel number: 39208904401600030640000070
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: Three Or More

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage,Garage Door Opener,Other,Unassigned
  • 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

  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Rockland County and New York

Flood
Severe Storm
Snowstorm

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 $3,175$38,100
Home Insurance *$166$1,992
Property Taxes $1,078$12,936
Electricity $305$3,668
Total$4,724$56,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,965/yr
40% on housing$141,720/yr
45% on housing$125,973/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: 0.1%
0.1%
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

$339This listing

vs Other Active Listings

Avg $/sqft

ZIP 10920$364
Rockland County$392

vs Homes Sold Last Month

Median $/sqft

ZIP 10920$381
Rockland County$362

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$628,000
2026-08-05Listing removed$628,000
2026-07-29Listed for sale$628,000
AgentMaria Di Filippo
BrokerageHOWARD HANNA | RAND REALTY

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