28 Spruce Rd, Brewster, NY, 10509
About This Home
Beautiful Raised Ranch located on a quiet cul-de-sac featuring hardwood floors, a full basement, and plenty of living space. This stunning Country Colonial offers an open-concept design, spacious kitchen with center island, primary suite with walk-in closet, 2-car garage, and energy-efficient heating and cooling. Conveniently located near I-84, I-684, Metro-North, shopping, dining, and schools.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2024
Type & Style
- Home type: SingleFamily
Interior
Basement
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Hardwood
Heating & Cooling
- Heating features: Forced air,Heat pump,Electric
- Cooling features: Central
Interior Area
- Total interior livable area: 1,900 sqft
Property
Details
- Parcel number: 3730895620214
Lot
- Lot size: 0.50 Acres
Parking
- Parking features: Garage - Attached
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
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Putnam 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 | $3,888 | $46,656 |
| Home Insurance * | $290 | $3,480 |
| Property Taxes | $1,358 | $16,296 |
| Electricity | $313 | $3,767 |
| Total | $5,849 | $70,188 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-30 | Price change | $769,000 |
| 2026-07-03 | Listed for sale | $799,000 |
View on Zillow