45 Willow Lake Drive, Holmes, NY 12531

• 3 beds |
• 3 baths |
• 2,546 sqft

Property Description

I’d keep the financing language lender-neutral so buyers understand the opportunity without implying a guaranteed rate. This version also creates urgency around November 1: **LAKEFRONT LIVING—AND A POSSIBLE LOWER INTEREST RATE! Seller is open to providing a concession that qualified buyers may use toward an interest-rate buydown or allowable closing costs. Ask your lender how this could reduce your monthly payment. Available only through November 1—don’t miss this opportunity!** Just over an hour from NYC, this beautifully maintained 3-bedroom, 2.5-bath home offers four-season living directly on private Sunset Lake—and it now features a BRAND-NEW ROOF! Inside, gleaming hardwood floors, elegant crown molding, central air and two fireplaces create a warm and inviting atmosphere. The thoughtfully designed kitchen features concrete countertops, propane cooking and radiant-heated tile floors that continue into the adjoining mudroom—a welcome luxury during Hudson Valley winters. Wake up to peaceful lake views from the screened porch, host barbecues and dinners on the spacious open-air deck, or gather around your private fire pit at the water’s edge. The level backyard offers room to play, complete with a swing set and soccer nets. A pool was previously located beside the home, and electric service remains in place. Ownership includes access to Sunset Lake’s private sandy community beach, waterfront pavilion and community fire pit. Spend summer days swimming, fishing, kayaking and paddleboarding, then enjoy ice skating when winter transforms the lake. The community pavilion may also be reserved for private lakeside celebrations. The property may offer potential for a private dock, subject to all required community and municipal approvals. An invisible fence provides added convenience for pets, while high-speed internet makes working from home easy. The attached two-car garage offers generous storage for vehicles, kayaks, paddleboards and recreational equipment. Runners, walkers and cyclists will love being moments from the nearby rail trail. Located in the Pawling School District and minutes from the Village of Pawling, Metro-North, restaurants, shops, hiking, golf, wineries, breweries, farms and Interstate 84. Whether you’re searching for a full-time residence or a weekend escape, 45 Willow Lake delivers the Hudson Valley lifestyle buyers dream about. **Schedule your private showing before this opportunity ends November 1!** Interest-rate buydown and seller concession are subject to the terms of an accepted offer, lender approval, loan-program requirements and applicable contribution limits. Some photographs have been virtually edited.

Listing Status:

Active

Data Last Updated:

September 23, 2026 at 5:21PM

Listing Office:

River to Ridge Rlty Associates : 845-206-8756

MLS ID:

1017740

Interior

• General: Eat-in KitchenFormal DiningKitchen Island
• Appliances: DishwasherDryerGas RangeRefrigeratorWasher
• Laundry: In Bathroom
• Basement: FullPartially FinishedWalk-Out Access
• Flooring: HardwoodTile
• A/C: Central Air
• Heating: Oil
• Fireplace: Family RoomGasLiving RoomWood BurningFireplaceFireplaces: 2

Exterior

• General: Garden
• Style: Colonial
• Parking: DrivewayGarageParking spaces: 6

Location

• HOA Amenities: Boat DockGatedRecreation FacilitiesCommon Area Maintenance450.0Annually
• Originating MLS: onekey2
• School District: Pawling
• County: Dutchess County

Lot

• Zoning: 134089-6856-00-591625-0000
• View: Trees/WoodsWater

Utilities

• Utilities: Electricity ConnectedPropaneSee Remarks
• Water: PrivateShared Well
• Sewer: Septic Tank

Financial

• Source: onekey2