65 Lake Road, Valley Cottage, NY, 10989
About This Home
Great investment opportunity at 65 Lake Road in Valley Cottage! This well-maintained property is clean and thoughtfully laid out. The first-floor apartment features a spacious living room with beautiful hardwood floors and abundant natural light. From there, the layout flows into the dining room and kitchen, which conveniently leads back to the bedroom and full bathroom, another bedroom is on the left, creating a comfortable circular floor plan. The second-floor unit offers an apartment with a generously sized living room, den, office, comfortable bedroom, and a full bathroom. The kitchen is compact but efficiently designed for everyday functionality. A finished attic provides ample storage space. Outside, the property offers parking near the entrances for both apartments. With a little TLC, the exterior could truly shine. The low-maintenance yard has great potential to become a charming outdoor space with some simple landscaping. Ideally located for commuters, the property is just 10 minutes from the Tappan Zee Bridge and approximately 40 minutes from Manhattan. Enjoy nearby outdoor recreation at Rockland Lake State Park, offering biking, hiking, boating, fishing, and golf, as well as the peaceful walking and jogging paths around Congers Lake.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1922
Materials
- Construction materials: Aluminum Siding
Type & Style
- Home type: MultiFamily
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s)
Heating & Cooling
- Heating features: Hot Water,Steam
- Cooling features: Wall/Window Unit(s)
Property
Details
- Parcel number: 39208905202000010400000000
- Special condition: None
Lot
- Lot size: 0.45 Acres
Parking
- Total spaces: 2
- Parking features: Driveway
- 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
- Winter Weather
- Cold Wave
- Lightning
- Strong Wind
- 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 | $3,286 | $39,432 |
| Home Insurance * | $186 | $2,232 |
| Property Taxes | $1,115 | $13,380 |
| Electricity | $246 | $2,954 |
| Total | $4,833 | $57,996 |
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 |
|---|---|---|
| 2026-04-21 | Price change | $665,000 |
| 2026-03-07 | Listed for sale | $675,000 |
| 2025-07-10 | Listing removed | $675,000 |
| 2025-01-09 | Listed for sale | $675,000 |
| 2023-10-03 | Sold | $600,000 |
| 2022-10-02 | Listing removed | -- |
| 2022-09-21 | Listed for sale | $560,000 |
| 2022-08-17 | Listing removed | -- |
| 2022-06-14 | Price change | $550,000 |
| 2022-04-29 | Price change | $575,000 |
| 2022-04-25 | Listed for sale | $600,000 |
| 2021-01-08 | Listing removed | -- |
| 2020-12-15 | Listed for rent | $2,100 |
| 2020-10-23 | Sold | $335,000 |
| 2020-07-14 | Listing removed | $350,000 |
| 2020-06-29 | Listed for sale | $350,000 |
| 2020-06-29 | Pending sale | $350,000 |
| 2020-06-10 | Price change | $350,000 |
| 2020-05-09 | Listed for sale | $365,000 |
| 2020-01-14 | Listing removed | $365,000 |
| 2020-01-13 | Listed for sale | $365,000 |
| 2019-02-03 | Listing removed | $2,095 |
| 2019-01-08 | Listed for rent | $2,095 |
| 2014-03-10 | Sold | $305,000 |
| 2013-10-23 | Listing removed | $309,000 |
| 2013-06-11 | Price change | $309,000 |
| 2012-09-25 | Listed for sale | $339,000 |
| 2012-08-01 | Listing removed | $349,000 |
| 1999-03-31 | Sold | $149,000 |
| 1998-04-27 | Sold | $146,000 |
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