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320 White Bridge Road, Middletown, NY, 10940

4beds
3baths
2,561sqft
$610,000
$238price/sqft
$4,751/moest. monthly cost
$190,040/yrincome needed

About This Home

Discover the perfect blend of peaceful country living and modern comfort at this turnkey Colonial, privately nestled on 5.8 picturesque acres in the Town of Mount Hope within the highly sought after Minisink Valley School District. Welcome to 320 White Bridge Road, where privacy, natural beauty, and comfort come together to create an exceptional place to call home. A dramatic two story foyer filled with natural light welcomes you inside, where gleaming hardwood floors flow throughout the home's thoughtfully designed living spaces. At the heart of the home is a spectacular custom kitchen, beautifully updated less than two years ago with striking quartz countertops, an oversized extra long center island, premium cabinetry featuring double stacked upper cabinets, and exceptional craftsmanship that is sure to impress both everyday chefs and avid entertainers alike. The kitchen seamlessly connects to the inviting family room, highlighted by a cozy gas fireplace, while the elegant formal dining room and spacious formal living room provide refined spaces for entertaining and special occasions. Upstairs, four generously sized bedrooms offer comfort and privacy for family and guests, including a luxurious primary suite complete with a walk in closet and a spacious en suite bath designed for relaxation. Beyond its beautiful finishes, the home has been meticulously maintained with central air conditioning, dual oil storage tanks, well cared for mechanical systems, a spacious unfinished basement offering endless possibilities for future expansion, recreation, or storage, and a large two car garage. Step outside and experience your own private sanctuary. A newly reskinned rear deck overlooks the private backyard while the expansive grounds offer a peaceful setting where mature trees create a sense of serenity and seclusion, making every day feel like a getaway. Perfectly positioned approximately one mile from the New Jersey Otisville Transit station, this remarkable property offers exceptional convenience for commuters while remaining close to local schools, shopping, restaurants, and major highways. Enjoy everything the Hudson Valley lifestyle has to offer, including renowned wineries, charming farmers markets, scenic hiking trails, orchards, and countless opportunities for outdoor recreation. Offering the rare combination of luxury, privacy, and accessibility, this exceptional home is truly move in ready and presents an extraordinary opportunity to experience one of the Hudson Valley's most desirable lifestyles. Welcome home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
5/10
6/10

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Chefs Kitchen,Eat-in Kitchen,Entrance Foyer,Formal Dining,Kitchen Island,Open Floorplan,Primary Bathroom,Quartz/Quartzite Counters,Soaking Tub,Storage,Walk-In Closet(s)
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,561
  • Total interior livable area: 2,561 sqft

Property

Details

  • Parcel number: 3344890120000001005.1000000
  • Special condition: None

Lot

  • Lot size: 5.80 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
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 $3,084$37,008
Home Insurance *$218$2,616
Property Taxes $1,026$12,312
Electricity $423$5,078
Total$4,751$57,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,891/yr
40% on housing$142,530/yr
45% on housing$126,693/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

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 10940$206
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 10940$233
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)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$610,000
2026-07-21Listed for sale$610,000
2005-12-29Sold$369,900
2004-03-24Sold$185,000
2001-10-05Sold$10,610

For Sale by Agent

AgentFrank Muccari
BrokerageCronin & Company Real Estate

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