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128 Apple Hill Road, Brewster, NY, 10509

5beds
5baths
5,218sqft
$999,000
$191price/sqft
$8,054/moest. monthly cost
$322,160/yrincome needed

About This Home

Exquisitely designed and beautifully appointed, this exceptional Colonial in the highly sought-after Windsor Woods neighborhood masterfully blends timeless elegance with modern luxury. Lovingly maintained by its original owners, the home is perfectly sited on beautifully manicured grounds offering both privacy and outstanding curb appeal. A light-filled foyer welcomes you with soaring ceilings, gleaming hardwood floors, and a sparkling chandelier, setting the tone for the refined craftsmanship and impeccable décor found throughout the home. Natural light graces every room, creating an inviting atmosphere where sophisticated entertaining and everyday living come together effortlessly. The elegant formal dining room provides a gracious space for hosting guests. Enhanced by expansive windows, rich hardwood flooring, and detailed decorative molding, it creates the perfect backdrop for intimate dinners and celebrations. At the heart of the home is an open-concept kitchen and family room thoughtfully crafted for today's lifestyle. The chef-inspired kitchen is beautifully appointed with gleaming white cabinetry, granite countertops, updated appliances, a professional six-burner gas cooktop, an oversized center island, built-in coffee bar, spice drawer, generous pantry, and exceptional storage. Whether enjoying your morning coffee, preparing meals, or gathering for casual conversations, this space effortlessly becomes the center of daily life. The kitchen flows seamlessly into the warm and inviting family room, where a lovely wood-burning fireplace, oversized windows, and rich hardwood flooring create a welcoming ambiance for relaxing evenings or entertaining year-round. Sliding doors open onto a private deck overlooking landscaped grounds featuring an in-ground sprinkler system, tasteful outdoor lighting, and a storage shed, creating an equally inviting outdoor retreat. Completing the main level is an aesthetically pleasing home office with French doors, hardwood flooring, and abundant natural light, offering a quiet and inspiring workspace. A stylish powder room, thoughtfully positioned laundry room, and convenient access to the oversized three-car garage complete this exceptionally functional level. Upstairs, an attractive bonus room with high ceiling, abundant natural light, and French doors provides remarkable versatility as a media room, playroom, or craft room. Just beyond, the luxurious primary suite serves as a private sanctuary, featuring tranquil mountain views, custom walk-in closets, and a spa-inspired bath complete with dual vanities, a soaking tub, and a glass-enclosed shower. Three generously sized additional bedrooms and a nicely appointed full bath provide comfortable accommodations for all. The walk-out lower level offers exceptional flexibility with two thoughtfully designed living spaces. A fully legal one-bedroom accessory apartment features its own private entrance, full kitchen with living area, bedroom, full bath with glass-enclosed shower, and private laundry, making it ideal for multi-generational living, guests, an au pair, or rental income. Separate from the apartment is additional finished living space featuring a comfortable den, recreation area, full bath with a large walk-in tiled glass shower, and generous storage. Designed for today's lifestyle, this meticulously maintained home also offers numerous thoughtful upgrades, including smart thermostats, high-efficiency furnaces, a tankless water heater, a water softening system providing enhanced comfort, efficiency, and peace of mind. Ideally located in a peaceful yet convenient setting just 75 minutes from New York City, this remarkable home offers easy access to Metro-North, Routes 22, I-684, and I-84, while being moments from Thunder Ridge Ski Area, shopping, dining, and the countless recreational opportunities and natural beauty that define the Hudson Valley. A home of luxury, comfort, and timeless sophistication.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

6/10
5/10
Brewster High SchoolGrades PK,9-121.3 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 2005

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Cooktop,Oven,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Washer,Water Softener Owned,Wine Refrigerator
  • Laundry features: Washer/Dryer Hookup,Laundry Room,Multiple Locations

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Basement

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Second

Den

  • Level: Basement

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Built-in Features,Ceiling Fan(s),Chandelier,Chefs Kitchen,Crown Molding,Double Vanity,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,High Ceilings,His and Hers Closets,In-Law Floorplan,Kitchen Island,Open Kitchen,Pantry,Primary Bathroom,Recessed Lighting,Smart Thermostat,Soaking Tub,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,218
  • Total interior livable area: 5,218 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Media Room

  • Level: Basement

Office

  • Level: First

Property

Details

  • Parcel number: 37240003500000041240000000
  • Special condition: None

Features

  • Levels: Three Or More
  • Patio & porch: Patio
  • Exterior features: Lighting

Lot

  • Lot size: 1.16 Acres
  • Features: Back Yard,Front Yard,Landscaped,Near Public Transit,Near School,Near Shops,Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 3
  • Parking features: Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Putnam County and New York

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 $5,051$60,612
Home Insurance *$377$4,524
Property Taxes $1,764$21,168
Electricity $862$10,347
Total$8,054$96,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$276,137/yr
40% on housing$241,620/yr
45% on housing$214,773/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: 2.8%
2.8%
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

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 10509$333
Putnam County$329

vs Homes Sold Last Month

Median $/sqft

ZIP 10509$288
Putnam County$318

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
2026-07-23Listed for sale$999,000

For Sale by Agent

AgentStacey J. Cronin
BrokerageHoulihan Lawrence Inc.

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