306 Towners Road, Carmel, NY 10512

• 3 beds |
• 2 baths |
• 1,856 sqft

Property Description

Opportunity, this is the kind of property buyers wait for in Lake Carmel, where location, lifestyle, and long term upside come together in a way that is getting harder to find. Legally a 3 bedroom and currently configured as a 2 bedroom, this ranch offers a flexible layout that can easily be brought back to its original design or reimagined entirely depending on your vision. The eat in kitchen anchors the home and creates a natural starting point for what this space can become, while the overall footprint is simple, functional, and ready for someone to come in and make it their own. A full walkout basement adds another layer of potential, giving you the ability to create additional living space, a recreation area, or a completely reworked lower level that changes how the home lives day to day. Outside, a large deck extends the home and sets the tone for indoor outdoor living, entertaining, or quiet evenings overlooking the property. With coveted lake rights to Lake Carmel, the value here goes far beyond the structure itself, offering summer days by the water, a true neighborhood feel, and a lifestyle people actively seek out. The home does need updates, but for the right buyer this is where the opportunity is to create something special and build real equity over time. The property is nestled in a friendly community, with quick access to Southeast train station for easy commuting, and local shops and restaurants, and the scenic Lake Carmel Park District, all enhancing your living experience. Whether you're looking for a peaceful retreat or a home that keeps up with your active lifestyle, this is a perfect choice. *Taxes: $6,362.16 (school, no exemptions) + $3,635.69 (town & county) = $9,997.85 total annually. STAR exemption currently reduces school taxes; buyers to verify eligibility.*

Listing Status:

Active

Data Last Updated:

May 11, 2026 at 4:20AM

Listing Office:

Compass Greater NY, LLC : 914-238-0676

MLS ID:

986593

Interior

• General: First Floor BedroomFirst Floor Full BathEat-in Kitchen
• Appliances: OvenRefrigerator
• Laundry: In Basement
• Basement: FullWalk-Out Access
• A/C: Wall/Window Unit(s)
• Heating: Hot WaterOilSteam

Exterior

• Style: Ranch
• Other Structures: Deck
• Parking: DrivewayParking spaces: 3

Location

• Originating MLS: onekey2
• School District: Carmel
• County: Putnam County

Lot

• Zoning: 372200-033-051-0002-021-000-0000

Utilities

• Utilities: Cable AvailableElectricity AvailableElectricity ConnectedPhone AvailableWater AvailableWater Connected
• Water: Private
• Sewer: Septic Tank

Financial

• Source: onekey2