12 Raymond Street, Montrose, NY, 10548
About This Home
Welcome to 12 Raymond Street! Nestled on a quiet residential street, this charming ranch presents an exceptional opportunity to create the home you've always envisioned. Whether you're looking to renovate your first home, customize your forever home, or invest in a property with tremendous upside, this well-maintained residence offers the perfect canvas to bring your ideas to life. Featuring hardwood floors throughout most of the home, a spacious living room anchored by a cozy wood-burning fireplace, three bedrooms, and an expanded primary bedroom with ample space to create a luxurious future en suite bath, the possibilities are endless. The large basement, spanning nearly the entire footprint of the home, offers tremendous flexibility with abundant storage, workshop space, hobby areas, or future utility space to complement your renovation plans. Outside, enjoy a level backyard with mature landscaping, plenty of room for entertaining, gardening, or recreation, along with a storage shed for added convenience. With its functional single-level layout, desirable neighborhood setting, and potential to modernize and build equity at an affordable price, this is a rare opportunity to transform a solid home into something truly special. Conveniently located near shopping, restaurants, parks, schools, Metro-North, and major commuter routes, 12 Raymond Street is ready for its next chapter. Bring your imagination and unlock all this home has to offer!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Actual
- Year built: 1955
Materials
- Foundation: Pillar/Post/Pier,Block
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- First Floor Bedroom,First Floor Full Bath,Ceiling Fan(s),Eat-in Kitchen,Storage,Walk Through Kitchen
- Flooring: Combination,Concrete,Vinyl,Wood
- Number of fireplaces: 1
- Fireplace: Yes
- Attic: Unfinished
Heating & Cooling
- Heating features: Hot Water,Oil
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 1,009
- Total interior livable area: 1,009 sqft
Property
Details
- Parcel number: 2289043020000040000015
- Special condition: None
Features
- Levels: One
Lot
- Lot size: 5,067 sqft
Parking
- Parking features: Driveway,On Street
- 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
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Westchester 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 | $2,017 | $24,204 |
| Home Insurance * | $125 | $1,500 |
| Property Taxes | $611 | $7,332 |
| Electricity | $246 | $2,954 |
| Total | $2,999 | $35,988 |
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 |
|---|---|---|
| 2026-07-31 | Listed for sale | $399,000 |
View on Zillow