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8 Orchard Street, Monroe, NY, 10950

4beds
3baths
2,174sqft
$625,000
$287price/sqft
$4,769/moest. monthly cost
$190,760/yrincome needed

About This Home

Motivated Seller!!! Located in a small, quiet neighborhood, this well-maintained 4-bedroom, 2.5-bath Colonial, built in 2007, offers nearly 2,200 square feet of living space on approximately one-third of an acre. The home features numerous large decorative double-paned windows throughout, providing beautiful natural light and scenic property views. A private paved road offers limited traffic and added privacy. With an annual membership to the Round Lake Park Association, owners enjoy private beach rights to Round Lake, including swimming, picnicking, and boat storage/access, all within a short 5-minute walk. Conveniently located within the highly sought-after Monroe-Woodbury School District and close to shopping, commuter bus and train access, and Woodbury Common Premium Outlets. The first floor features an open-concept design with 9-foot ceilings, hardwood and tile flooring throughout, and includes a spacious living room with a wood-burning fireplace and custom wood mantle, dining room, laundry room, half bath, and kitchen with pantry and ceiling fan. The kitchen is equipped with stainless steel appliances, granite countertops, backsplash, spacious cabinetry, and a granite-topped center island. The second floor offers four large carpeted bedrooms, each with ceiling fans and generous closet space. The primary suite features cathedral ceilings, a large walk-in closet, and a spacious primary bath with skylight, dual vanities, and a deep soaking tub. A second full upstairs bathroom also includes dual sinks and vanities. Just outside the custom wood front entry door is an inviting covered 8’ wide front porch overlooking the beautifully maintained property. Additional features include a large attached 2-car garage, unfinished full basement with excellent storage and future finishing potential, and partially floored attic providing abundant storage space. Off the kitchen is a private deck leading to a fenced backyard area enclosed with maintenance-free white aluminum fencing and dual gates — ideal for pets. A matching 10’ x 14’ vinyl-sided storage shed with shutters is located within the fenced area. The beautifully maintained yard is lined with evergreen trees and a stained 6-foot privacy fence, offering both privacy and curb appeal. The blacktop driveway also provides additional parking space. Brand New Central A/C system and ductwork!! The home is being sold with kitchen and laundry appliances, ceiling fans, light fixtures, and custom window blinds. The washer and dryer were replaced about 1 year ago. Private Road informal homeowner’s association, deeded with Orange County: $350 per year Round Lake Park Homeowner’s Association fee for members, optional: $300 per year

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

5/10
North Main Street SchoolGrades 2-51.4 mi
5/10
6/10

Construction

Condition

  • Property condition: Actual
  • Year built: 2006

Materials

  • Construction materials: Frame

Notable Dates

  • Major remodel year: 2006

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Dryer,Freezer,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer,Oil Water Heater,Water Softener Owned
  • Laundry features: In Bathroom,Inside

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Formal Dining,Granite Counters,Kitchen Island,Pantry,Recessed Lighting
  • Flooring: Carpet,Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Partial

Heating & Cooling

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

Interior Area

  • Total structure area: 2,174
  • Total interior livable area: 2,174 sqft

Property

Details

  • Parcel number: 3340890040000003002.1000000
  • Special condition: None

Features

  • Fencing: Back Yard

Lot

  • Lot size: 0.31 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener,Storage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $3,160$37,920
Home Insurance *$198$2,376
Property Taxes $1,052$12,624
Electricity $359$4,311
Total$4,769$57,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,508/yr
40% on housing$143,070/yr
45% on housing$127,173/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

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 10950$309
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 10950$294
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
2026-08-17Price change$575,000
2026-08-05Price change$609,000
2026-07-16Price change$625,000
2026-06-30Price change$639,900
2026-06-20Listed for sale$699,900
2022-10-23Listing removed--
2022-08-22Listed for sale$640,000
2009-09-03Sold$325,000
2007-09-24Sold$424,900

For Sale by Agent

AgentJoseph P Morello
BrokerageKW Hudson Valley United

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