Putnam County Properties between $400,000 and $450,000 for Sale

2 Beds ⋅ 1 Baths ⋅ 1029638 MLS

Welcome home to this charming 2 bedroom, 1 bath residence nestled in the desirable Hill and Dale community, offering access to beautiful Palmer Lake. Blending comfort, character, and thoughtful updates, this inviting home features soaring cathedral ceilings, a cozy wood-burning fireplace, and skylights in both the living room and bedroom that fill the space with an abundance of natural light. A distinctive stone and slate entryway with a convenient laundry area adds both style and functionality. Enjoy year-round comfort with central air conditioning and the peace of mind that comes with numerous newer improvements, including vinyl siding, a well pump, roof and gutters, and a water heater. Beyond the home, residents enjoy access to Palmer Lake, where you can spend the summer swimming with a lifeguard on duty, kayaking, canoeing, fishing, or simply relaxing on the beach. The community also features a tennis court, basketball half-court, and a playground, offering something for everyone to enjoy. Whether you're searching for a full-time residence, a weekend retreat, or a low-maintenance getaway, this well-maintained home combines modern updates, timeless charm, and an exceptional community lifestyle.

6 Hemlock Trail Court, Carmel

2 Beds ⋅ 2 Baths ⋅ 1026279 MLS

Charming Lake Carmel Living! This beautifully maintained 2 Bedroom, 2 full bath home offers the perfect blend of comfort, style and convenience. The open concept floor plan features an office/den just as you walk in and a bright living room, dining room and an updated kitchen with stainless steel appliances, granite countertops, and a pantry. Step outside to a spacious deck perfect for relaxing entertaining or enjoying summer evenings and backyard barbecues. The main level includes the primary bedroom with a private en-suite bath a second bedroom and an additional full bathroom. A spiral staircase leads to the lower level, offering a laundry area and versatile bonus space ideal for a home gym, recreation room, office, or additional storage. Conveniently located approximately 6-8 miles from Metro North providing and easy commute to NYC, with quick access to I-84 and I-684. Enjoy Lake Carmel rights, including access to the community beaches and non-motorized boating, making this home a wonderful year-round residence or weekend getaway.

7 Horton Road, Carmel

$419,000

3 Beds ⋅ 2 Baths ⋅ 987438 MLS

This mid-century modern residence, custom built in 1960, blends architectural design with contemporary comfort. Privately set on nearly one acre (.92 acres) within a neighborhood setting, this striking home delivers both seclusion and convenience. Spanning approximately 2646 sq. ft. across three thoughtfully designed levels, the home features, 3 bedrooms and 2 baths enhanced by soaring ceilings, wood flooring and large windows that invite natural light throughout. Distinctive architectural elements including spiral staircases add visual interest. The main level features an updated eat in kitchen with custom wood cabinets, granite counters and stainless steel appliances. The living room is anchored by a wood burning fireplace creating a warm and sophisticated atmosphere. Two bedrooms are located on this level, one with an en-suite bath and direct outdoor access. There is a full bath in the hallway Upstairs: there is a dramatic retreat consisting of a large bedroom, and flexible home office loft space. The full lower level (approximately)756 sq. ft. included in total square feet offers excellent useable space. This area includes a pellet stove, laundry area, mechanicals, 2 car garage, abundant storage and walk- out access to a private patio. Outdoor living is impressive, highlighted by a large wrap around deck overlooking the expansive property. Additionally there are three heating zones - approximately 20 years old. Oil tank is in the two car garage. Septic system serviced 2/11/26; furnace is approximately 15 years old, serviced one year or so ago. Heat costs $400 per month; electric, $171 per month.. Roof -8 years. All costs and dates are approximate. Private garbage collecting; $90.39 per month. If applicable, star savings is $961.67 Note: dishwasher is not working and seller cannot take care of it or address any repairs . Fireplace has not been used in decades.; as it is. This home is part of an estate and is sold, strictly "As is, Where is." Seller prefers an all cash transaction. Seller is unable to address any repairs, concerns, etc. House is priced considering any and all repairs needed or wanted by buyers. This is a distinctive home with so much potential for those who appreciate architectural character, privacy and space.

58 Kentview Drive, Carmel

3 Beds ⋅ 2 Baths ⋅ 1024535 MLS

3 bedroom 1.5 bath home in the desirable Lake Carmel district. The home was completely renovated in 2018. The property also boasts an adorable, legal 1 bedroom 1 bath cottage with it's own septic. Cottage can be used for extended family or income producing purposes. Home is being sold "as is"

34 Ashburton, Carmel

4 Beds ⋅ 2 Baths ⋅ 1024373 MLS

Welcome to this spacious 4-bedroom, 2-bathroom home in Patterson, NY, offering 2,156 sq ft of opportunity and potential. Featuring a strong foundation, working electrical, reliable plumbing, a wood stove, and a mini split HVAC system, this property provides a solid foundation for your vision. The roof is approximately 6–10 years old, while the interior offers the chance to personalize with updates to the kitchen, bathrooms, flooring, doors, and stair railings. With generous space and valuable features already in place, this home is ready for a buyer looking to make it their own. Property sold AS-IS.

690 Route 311, Patterson

2 Beds ⋅ 1 Baths ⋅ 1019135 MLS

Life is better at the lake! Nestled on a quiet, tree-lined street, this beautifully maintained home offers deeded rights to Putnam Lake and the opportunity to enjoy swimming, boating, fishing, and the unique lifestyle that makes this lake community so special. From the moment you arrive, you'll appreciate the home's exceptional curb appeal, welcoming front entry, and beautifully landscaped grounds. Inside, abundant natural light fills the home, complementing warm hardwood floors and creating an inviting atmosphere that blends classic lake-home charm with comfortable everyday living. The thoughtfully designed floor plan features two generously sized bedrooms, including a spacious primary bedroom with a vaulted ceiling, a full bath, an inviting living room, dining area, and a bright kitchen. A charming bonus sunroom offers exceptional flexibility as a sitting room, reading nook, home office, or welcoming entry. Step outside and discover what truly sets this property apart. The fenced yard offers an incredible amount of level, usable outdoor space with mature landscaping and a private patio tucked away behind the home—an ideal setting for entertaining, summer dining, outdoor games, or simply relaxing in your own peaceful retreat. An oversized detached garage and storage shed provide abundant storage for all your tools and toys. Complete with central air conditioning, convenient first-floor laundry, and pull-down attic storage, this well-designed home offers all the features you need for comfortable everyday living and is truly move-in ready. Ideally located just minutes from shopping, restaurants, schools, Metro-North, major highways, and the Connecticut border, this home offers the perfect blend of comfort, convenience, and lake community living. Whether you're searching for your first home or the perfect weekend escape, this is an opportunity you won't want to miss. Welcome home to Putnam Lake.

3 Ulster Road, Brewster

2 Beds ⋅ 2 Baths ⋅ 1022744 MLS

Welcome to this beautifully updated ranch-style home offering the perfect blend of modern finishes and flexible living space in the heart of Putnam Valley. Featuring 2 bedrooms, 2 full bathrooms, and approximately 1,180 square feet of living space, this move-in-ready home is ideal for a variety of lifestyles. Step inside to a bright, open-concept living area with soaring cathedral ceilings, abundant natural light, and gleaming hardwood floors. The updated kitchen features rich wood cabinetry, stainless steel appliances, quartz countertops, a breakfast bar, and recessed lighting, creating a functional and inviting space for everyday living and entertaining. The spacious primary suite includes ample closet space and an updated en-suite bath with a walk-in shower. A second generously sized bedroom is located near the beautifully renovated full hall bath. The flexible dining area can easily be converted into a private home office, den, or guest room to accommodate your changing needs. A finished bonus attic room, accessed by a spiral staircase, provides additional space perfect for a home office, playroom, fitness area, hobby room, or storage. (Bonus room is not included as a legal bedroom.) Outside, enjoy a level yard with plenty of room for outdoor activities, gardening, or entertaining. Conveniently located near parks, lakes, hiking trails, shopping, restaurants, and the Taconic State Parkway, this home offers the perfect combination of privacy and accessibility. Don't miss this opportunity to own a beautifully updated home in scenic Putnam Valley! FINAL AND BEST DUE NO LATER THAN 5 PM FRIDAY, JULY 17, 2026.

4 South Street, Putnam Valley

$409,900

2 Beds ⋅ 2 Baths ⋅ 1018224 MLS

Welcome to Putnam Lake! This charming updated Cape sits on a Rare 0.42-acre corner lot in a quiet, established neighborhood with Putnam Lake rights! Officially a 2 bedroom 1.5 - bath home, this property features two additional flex rooms perfect for guests, a home office or hobby space. Thoughtful built-in cabinetry, desk space and abundant storage to maximize every square foot. This home includes updates such as: Bosch high-efficiency heat pump with central air (2021), new oil furnace (2021), new half bath (2026), professionally serviced water heater (2026), water filtration system, water softener and well tank (2018), septic pump replacement (2022) with septic serviced (2026), New washer (2024) New Dryer (2022), new gutters and downspouts (2021), New Decking (2026) and vinyl replacement windows with sun blocking coating for improved energy efficiency . Additional highlights include: propane range, pellet stove insert with the option to restore a wood-burning fireplace, bamboo flooring on the main level, hardwood flooring upstairs, attic exhaust fan, generator hookup with dedicated transfer panel, Verizon FIOS, NYSEG electric and a detached shed/workshop. The partially fenced yard offers plenty of room for entertaining, gardening, pets or play. Included with ownership are Putnam Lake rights, offering swimming, fishing, boating and beach access just two blocks away, with the public beach approximately 1/2 mile away from the home. This home is also conveniently located just 10 minutes to I-84 and I-684, 12 minutes to the Southeast Metro North Station and 15 minutes to the Danbury Fair Mall. Move-in ready with modern mechanical updates, exceptional storage, flexible living space and a rare combination of a large lot and lake rights- This is Putnam Lake living at its BEST.

21 Cameron Road, Brewster

$440,000

2 Beds ⋅ 3 Baths ⋅ 1013670 MLS

Welcome to 1205 Greystone, a beautifully maintained townhome in the highly desirable Fieldstone Pond community, offering stylish interiors, comfortable living spaces, and an unbeatable commuter-friendly location. The main level is designed for both everyday living and effortless entertaining. A spacious kitchen opens to the dining area, which flows seamlessly into the expansive living room featuring a cozy gas fireplace. Large sliding glass doors lead to a private deck and lawn area, creating the perfect indoor-outdoor connection. Upstairs, you’ll find two generously sized bedrooms, each with its own ensuite bath, ample closet space, and abundant natural light. Convenient second-floor laundry adds to the home’s thoughtful layout. The finished lower level provides exceptional flexibility, offering valuable additional living space ideal for a home office, playroom, gym, media room, or guest retreat. Residents of Fieldstone Pond enjoy an outstanding array of amenities, including a clubhouse, swimming pool, tennis and pickleball courts, and a basketball court. The unit also includes two assigned parking spaces and a private garage conveniently located directly in front of the home. Ideally situated just minutes from I-684, Metro-North, shopping, dining, schools, bike paths, hiking trails, and ski areas, this home offers the perfect balance of convenience, recreation, and low-maintenance living. Move right in and enjoy everything Fieldstone Pond has to offer.

1205 Greystone Lane, Brewster

4 Beds ⋅ 2 Baths ⋅ 1006076 MLS

Welcome to 121 Putnam Dr., this home offers 4 Bedrooms with plenty of space and endless potential. If you are looking for a home you an truly make your own, this 4 bedroom, 2 bath property is worth a look. Full of character and possibilities, it offers a flexible layout, ample parking, a private backyard, and hardwood floors hidden beneath the existing carpeting. The main level features two bedrooms, a full bathroom, a comfortable living room, a dining room, and a kitchen ready for your personal touch. Upstairs, you'll find two additional rooms that would work perfectly as home offices, a den, playroom, craft room, or whatever suits your lifestyle. The lower level has its own separate entrance and includes two bedrooms, a full bathroom, a living room, and an eat-in kitchenette. Whether you need extra space for extended family, guests, or a private area to spread out, the possibilities are there. Outside, the partially fenced backyard offers privacy and room to relax, garden, entertain, or enjoy time with family and friends. With plenty of off-street parking and a layout that provides flexibility for a variety of living arrangements, this home is simply waiting for someone with vision to bring it to life.

121 Putnam Drive, Carmel

$439,999

2 Beds ⋅ 2 Baths ⋅ 1006627 MLS

Welcome to this charming 2-bedroom, 1.5-bath ranch style home situated on a beautifully manicured, level corner lot at the end of a quiet dead-end road, offering views of Lake Carmel . A stone throw away from the water. Step onto the natural stone wraparound patio and into a spacious living area that flows seamlessly into the inviting dine-in kitchen. The kitchen features solid wood cabinetry, soft-close drawers, granite countertops, and stainless steel appliances, making it both stylish and functional. The first-floor primary bedroom includes a cedar-lined closet and a convenient half bath, with the potential to expand into a full bath thanks to an adjacent closet that could accommodate a stand-up shower. A generously sized second bedroom, also with a cedar-lined closet, and a spacious full bathroom featuring a Jacuzzi-style soaking tub with tile surround, vanity, and linen storage complete the main level. Upstairs, you’ll find two additional bonus rooms that are perfect for a home office, den, nursery, or creative space. The walk-out lower level includes a partially finished basement with over 7-foot ceilings and an extra room previously used as a music and exercise room, providing even more flexibility. The home includes seasonal beach passes to Lake Carmel and is conveniently located near shopping, restaurants, the library, and Interstate 84, offering both peaceful living and easy access to everyday amenities.

26 Roslyn Road, Carmel

2 Beds ⋅ 2 Baths ⋅ 1014584 MLS

Welcome to 21 Sussex Road, a charming 2-bedroom, 2-bath home that lives much larger. Huge eat-in kitchen with tons of cabinet space, tile counters, and brick backsplash. Living room includes a cozy wood-burning fireplace and dining area for family gatherings. A powder room with bidet completes the first floor layout. Second floor boasts two bedrooms plus two flexible bonus rooms (den/office/media room) and a large bathroom with soaking Jacuzzi tub and shower stall. The front porch provides a peaceful spot to unwind, and the backyard patio is the perfect place for grilling, entertaining, or enjoying the fresh air. Lake rights provide an additional opportunity for outdoor enjoyment. This home is the perfect mix of charm and easy living.

21 Sussex Road, Carmel

3 Beds ⋅ 1 Baths ⋅ 1007017 MLS

Welcome to this well-maintained 3 bedroom, 1 bath ranch, perfectly set on a level 0.34-acre lot along a quiet residential street. This inviting home offers the ease of one-level living combined with a functional and comfortable layout. Step inside to find beautiful hardwood floors and a bright, open living room that flows seamlessly into the kitchen—ideal for both everyday living and entertaining. The spacious dining room features sliding doors that lead directly to a rear patio, creating a perfect indoor-outdoor connection for gatherings and relaxation. The home includes three well-proportioned bedrooms, an updated full bathroom, and the convenience of a main-level laundry/utility room. Outdoors, enjoy a fully level and usable backyard—perfect for recreation, gardening, or simply unwinding—complete with a patio for outdoor dining. Ample off-street parking is available in the driveway. Conveniently located for commuters, this home offers easy access to the train as well as I-684 and I-84. You’ll also love being just minutes from shopping, schools, and a variety of restaurants. This gem of a home offers comfort, convenience, and value—and won’t last long!

59 Oakwood Drive, Brewster

2 Beds ⋅ 1 Baths ⋅ 1003989 MLS

Tucked away on 3.33 private wooded acres, 11 Richardsville Road in Carmel presents a rare opportunity for a live/work lifestyle, weekend retreat, or investment property with exceptional versatility. This charming circa-1890 cottage/bungalow offers 2 bedrooms, 1 full bathroom, and 812 square feet of comfortable living space surrounded by peaceful natural scenery and privacy. Perched up the hill, the standout feature of the property is an impressive detached barn complete with a spacious 2-car garage, workshop area, loft space, and an additional bathroom—ideal for artists, contractors, hobbyists, collectors, studio use, or additional storage. A partially fenced yard, mature trees, and tranquil setting create the feeling of a secluded escape while still remaining conveniently located. Endless possibilities await for those seeking character, functionality, and space to create.

11 Richardsville Road, Carmel

$415,000

4 Beds ⋅ 2 Baths ⋅ 996109 MLS

Welcome to 116 Lake Drive, an investors dream, a retreat offering lake access just across the road—perfect for peaceful mornings and scenic views. Ideally located near the Taconic Expressway, this home provides the perfect balance of tranquility and convenience. Recent updates include a newer roof and gutters, a 150-amp electrical panel, and a new oil tank installed in 2023, offering comfort, efficiency, and peace of mind. Whether you’re searching for a weekend escape or a full-time residence, this inviting home is ready for you to settle in and enjoy. *Additional Lot Included in Sale, repairs needed throughout*

116 Lake Drive, Lake Peekskill

2 Beds ⋅ 2 Baths ⋅ 991386 MLS

Tucked away in a prime Carmel location, 77 Kent Lake Ave delivers a polished blend of style, comfort, and everyday convenience across approximately 1,550 square feet. This beautifully renovated 2-bedroom, 1.5-bath home lives like a 3-bedroom, featuring rich hardwood floors, a sleek updated kitchen with stainless steel appliances, and a layout designed for both ease and elevated living. A partially finished basement adds flexibility, while the one-car garage and private backyard with an above-ground pool and surrounding deck create the perfect setting for relaxing or entertaining. Just moments from South Lake, offering easy access to kayaking, fishing, and a peaceful lakeside setting, all while benefiting from a commuter-friendly location that makes getting where you need to go effortless.

77 Kent Lake Avenue, Carmel

$435,000

2 Beds ⋅ 2 Baths ⋅ 983198 MLS

Discover this stunning home in Putnam Lake, completely remodeled from top to bottom, taken to the studs. Everything is brand new, providing a fresh and modern living experience with year-round views of the tranquil lake. This home features an open layout with high-end finishes, creating an inviting and contemporary living space with soaring ceilings and wood beams. Every detail has been thoughtfully upgraded, including a brand-new kitchen equipped with Calacatta quartz counters, a huge center island, stylish cabinetry, and stainless steel appliances, making it perfect for both cooking and entertaining. The luxurious bathrooms showcase pristine porcelain tile, enhancing the home's upscale feel. High-quality luxury vinyl flooring runs throughout the entire space, offering both comfort and easy maintenance. Additional enhancements include new drywall throughout and updated lighting, which adds a warm and welcoming ambiance to each room. The property boasts a huge deck with vinyl railing, perfect for relaxing and enjoying the beautiful setting and, of course, the lake. Furthermore, it includes convenient features such as an EV car charger, stackable washer and dryer, and energy-efficient improvements like blown-in closed-cell insulation and mini A/C splits, for year-round comfort. The roofing consists of GAF Timberline HDZ shingles, providing both durability and aesthetic appeal. With new windows, doors, siding, flooring, plumbing, electrical systems, and a concrete driveway, this property is move-in ready for you to simply add your personal landscaping touches. As a resident of the Putnam Lake community, you’ll have exclusive access to lake and beach rights, making it ideal for year-round living or as a weekend getaway. Located just 60 minutes from NYC and close to the Metro-North and I-84, this home offers unbeatable access to great restaurants, shopping, and outdoor recreation, including kayaking, skiing, and hiking! The property taxes are currently under grievance review, which may result in a reduction. Virtual grass has been added to exterior photos to show how the property could look.

13 Ripley Road, Patterson

$424,000

979744 MLS

Welcome to this exceptional mixed-use property located in the heart of Putnam County, offering a rare opportunity for entrepreneurs and investors alike. Located near interstate 84 & the Taconic Parkway, close to buses and near additional shopping, this versatile property features a prime retail space on the ground floor, perfect for a vet or pet grooming, a boutique shop, cafe, or office, with high visibility and automobile traffic. The residential units, are ideal for an owner-occupier or rental income. The property also includes a tandem heated garage, providing additional rental income potential or convenient parking for tenants. With its flexible zoning and strategic location, this property is a sound investment for those seeking a blend of commercial and residential opportunities. Don't miss out on this rare find in Putnam County close to parks and recreation as well as offering lake rights to swim, boat, and fish. Schedule your appointment today! Additional Information: HeatingFuel:Oil Above Ground,

498 Route 52, Carmel

2 Beds ⋅ 2 Baths ⋅ 971326 MLS

165 West Lakeshore Drive, Carmel, NY Wake up every day to breathtaking lake views in this charming lakeside home overlooking beautiful Lake Carmel. Perfectly positioned to capture the water from multiple rooms, this property offers a rare opportunity to enjoy peaceful lake living just minutes from town. Step inside and you’ll immediately notice the sun-filled living spaces and panoramic lake views. The spacious living room features large windows that frame the water, filling the home with natural light and creating a relaxing atmosphere year-round. A bright dining area with lake views makes the perfect spot for morning coffee or evening meals while enjoying the scenery. The home offers a functional layout with multiple levels of living space, providing flexibility for everyday living, weekend getaways, or hosting guests. The kitchen provides ample cabinet space and flows easily into the main living areas. Outside, the property truly shines. The terraced yard and stone patio areas create a natural setting for outdoor gatherings, summer barbecues, or simply relaxing while overlooking the lake. Mature trees provide privacy and shade, while the elevated position gives the home a beautiful vantage point over the water. Additional features include: • Off-street parking with driveway • Lower level with laundry and additional storage space • Multiple outdoor areas to enjoy the lake setting • Large windows throughout bringing in natural light and views • Convenient location near shops, restaurants, and major commuting routes Whether you’re looking for a weekend retreat, year-round home, or investment opportunity, this property offers incredible potential in a sought-after lake community. Enjoy boating, fishing, kayaking, and all the outdoor recreation that Lake Carmel living has to offer. Come see the views and imagine the possibilities — this lakeside home is ready for its next chapter.

165 W Lakeshore Drive, Carmel

3 Beds ⋅ 2 Baths ⋅ 941206 MLS

Come check out this commuter's dream close to train station and highways before it's gone! Step into this stunning 3-bedroom, 2-bath home, where an impressive open-concept layout and soaring cathedral ceilings create a sense of luxury from the moment you enter. Flooded with natural light and designed for effortless living and entertaining, this home delivers the space, style, and comfort buyers are searching for. Set on a serene 0.86-acre lot, the property offers exceptional privacy along with beautiful seasonal views—your own peaceful retreat just minutes from everyday essentials. Enjoy unbeatable convenience with quick access to the train schools, and premier shopping, making this an ideal location for commuters. With its modern interior, desirable layout, and perfect blend of tranquility and accessibility, this home is a must-see and won’t stay on the market for long.

10 Green Acres Lane, Brewster

Large 35 acre parcel with varying topography - suitable for large estate or family compound. Very private, located near I-684, Metro -North stations, Bike Path and PHC Hospital. Possible secondary access, call for details - being sold as is.

933367 MLS

222 Weber Hill Road, Carmel

The Scenic Hamlet of Garrison in Putnam Valley has long been a refuge from the city with its never ending natural beauty, serenity, and cultural hub for many non-profits. It’s the perfect gateway town to all the Hudson Valley has to offer with amazing access to New York City. And now you can build your dream home in this sought after town where inventory of existing homes is sparse. Situated on Rt 9D - this 2.89 acre lot has full board of health approval. Your mountainous backyard is a wooded haven to hike and explore. You can even catch up to the Appalachian trail or the beautiful trails of Manitoga and Anthony’s Nose - without ever getting in your car. There is a beautiful babbling brook which is so meditative and rock deposits that look perfectly curated. And with western exposure you would catch the most beautiful sunlight all afternoon, not to mention those sunsets over the Hudson River. The property is 5 minutes from the Garrison Train Station, The Philipstown Depot, Dolly's Restaurant, the Garrison School, The Garrison Library and the Bear Mountain Bridge. 10 minutes Cold Spring and 20 minutes to Beacon. Garrison is just 50 miles north of the George Washington Bridge.

895215 MLS

TBD Rt-9d, Garrison

Gorgeous, mostly level meadow, waiting for your dream Home / Farm. With lots of road frontage and two small picturesque man made ponds. There are two signs marking the main parcel starting points. Residential (R4), 4 acre zoning.

833181 MLS

326 Cornwall Hill Road, Patterson