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32 Spruce Road, Brewster, NY, 10509

3beds
3baths
1,980sqft
$799,000
$404price/sqft
$6,080/moest. monthly cost
$243,200/yrincome needed

About This Home

Located in Southern Putnam County, this newly built 3-bedroom, 2.5-bath Country Colonial offers 1,980 sq. ft. of comfortable living space in a quiet residential community in the Town of Southeast. The home features a classic front porch and an open-concept main level filled with natural light, including a spacious great room, oversized country kitchen with center island, full appliance package, and access to a deck/patio—perfect for entertaining. A formal dining room completes the main level. Upstairs, the primary suite includes a walk-in closet and a private bath with soaking tub, separate shower, and ceramic tile flooring. Two additional bedrooms, a full hall bath, and a separate laundry area provide convenience and functionality. Hardwood floors run throughout the main living areas and upper-level bedrooms, with low-maintenance laminate flooring in the kitchen. Additional highlights include a full basement, two-car garage, walk-up attic for storage, and energy-efficient heat pump system with central air and domestic hot water—eliminating oil or gas costs. Ideally located near I-84, I-684, the Brewster train station, school, shopping mall, and dining.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
6/10
5/10
Brewster High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Block,Concrete Perimeter

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Water Heater,Microwave,Oven,Range,Refrigerator,Stainless Steel Appliance(s),Water Purifier Owned,Water Softener Owned
  • Laundry features: Washer/Dryer Hookup,Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Storage Space

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Breakfast Bar,Chandelier,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,High Speed Internet,Kitchen Island,Marble Counters,Natural Woodwork,Open Floorplan,Open Kitchen,Pantry,Sauna,Soaking Tub,Storage,Walk Through Kitchen
  • Window features: Blinds,Casement,Double Pane Windows,Insulated Windows,New Windows
  • Flooring: Ceramic Tile,Hardwood
  • Attic: Full

Heating & Cooling

  • Heating features: Ducts,Electric,Forced Air,Heat Pump,Heat Recovery System,Hot Air,Radiant
  • Cooling features: Central Air,Electric,ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 1,980
  • Total interior livable area: 1,980 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Property

Details

  • Parcel number: 37308905602000020130000000
  • Special condition: None

Features

  • Levels: Two
  • Patio & porch: Porch
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.50 Acres
  • Features: Back Yard,Front Yard,Near Public Transit,Near School,Near Shops

Parking

  • Total spaces: 5
  • Parking features: Garage
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $4,040$48,480
Home Insurance *$302$3,624
Property Taxes $1,411$16,932
Electricity $327$3,926
Total$6,080$72,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$208,457/yr
40% on housing$182,400/yr
45% on housing$162,133/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

$404This listing

vs Other Active Listings

Avg $/sqft

ZIP 10509$326
Putnam County$328

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
2026-04-28Price change$826,000
2026-02-06Listed for sale$795,000
2023-12-28Sold$75,000

New Construction

AgentDerek J. Greene
BrokerageGreene Realty Group

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