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98 Wood Road, Westtown, NY, 10998

3beds
2baths
1,802sqft
$580,000
$322price/sqft
$4,388/moest. monthly cost
$175,520/yrincome needed

About This Home

Please note the desk was repainted after the photos were uploaded. Nestled in a private, park-like setting, this beautifully maintained 3-bedroom, 2-bath ranch offers the ease of one-level living with the perfect blend of comfort, privacy, and functionality. Surrounded by nature, this inviting home is ideal for those seeking peaceful living while remaining conveniently located near local amenities. Step inside to discover hardwood floors throughout, creating a warm and timeless feel. The spacious family room features a vaulted ceiling, a cozy wood-burning fireplace, and oversized windows that fill the home with abundant natural light. The thoughtfully designed floor plan offers excellent flow for both everyday living and entertaining. The heart of the home is the open-concept kitchen and dining area, complete with a breakfast nook overlooking the expansive backyard and direct access to the deck, perfect for morning coffee, outdoor dining, or relaxing while enjoying the scenic surroundings. The eastern wing features two generously sized bedrooms, a full bathroom with a skylight and shower, plus ample hallway storage. Privately situated on the opposite side of the home, the spacious primary suite offers a large ensuite bath, creating a comfortable retreat. A separate laundry room adds everyday convenience. The full basement, accessible from both inside the home and through a private exterior entrance, provides exceptional storage and endless possibilities for a home gym, workshop, recreation room, hobby area, or future finished living space. Additional highlights include an attached two-car garage, energy-efficient radiant floor heating, central air conditioning, a whole-house water softener, and a reverse osmosis water filtration system for enhanced water quality and everyday convenience. Outside, the spacious yard offers plenty of room to garden, entertain, or simply enjoy the tranquil surroundings. Located in Westtown, NY, this home offers the best of country living with exceptional convenience. Ideally situated near the New York, New Jersey, and Pennsylvania borders, you'll enjoy easy access to major commuter routes, shopping, dining, outdoor recreation, and all that the Hudson Valley has to offer. If you're searching for a move-in-ready ranch home, single-level living, hardwood floors, vaulted ceilings, wood-burning fireplace, radiant heat, central air, attached two-car garage, full basement, water softener, reverse osmosis system, and a private park-like setting, this exceptional property offers the lifestyle you've been looking for.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2002

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dryer,Microwave,Stainless Steel Appliance(s),Washer,Water Purifier Owned,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Crown Molding,High Ceilings,Natural Woodwork,Open Floorplan,Open Kitchen,Primary Bathroom,Recessed Lighting
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,802
  • Total interior livable area: 1,802 sqft

Property

Details

  • Parcel number: 3338890080000001056.0000000
  • Special condition: None

Lot

  • Lot size: 1.90 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange County and New York

Fire
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 $2,932$35,184
Home Insurance *$183$2,196
Property Taxes $976$11,712
Electricity $297$3,573
Total$4,388$52,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,445/yr
40% on housing$131,640/yr
45% on housing$117,013/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: -1.9%
-1.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$322This listing

vs Other Active Listings

Avg $/sqft

ZIP 10998$466
Orange County$274

vs Homes Sold Last Month

Median $/sqft

ZIP 10998$214
Orange County$263

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
2026-07-28Listed for sale$580,000
2024-10-09Sold$540,000
2024-09-19Pending sale$569,000
2024-09-06Contingent$569,000
2024-08-01Listed for sale$569,000
2012-10-26Sold$305,000
2012-08-22Listed for sale$319,900
2002-02-20Sold$52,000

For Sale by Agent

AgentBernadette Giordano
BrokerageHoward Hanna Rand Realty

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