Carmel Homes with Private Water

Welcome to Carmel, New York—an idyllic town nestled in the heart of Putnam County, where natural beauty meets suburban charm. Known for its picturesque landscapes and friendly community, Carmel offers a serene escape from the hustle and bustle of city life while still providing convenient access to urban amenities.

Carmel is renowned for its stunning lakes, lush parks, and vibrant local culture. Whether you're exploring the scenic shores of Lake Gleneida or enjoying a leisurely stroll through the quaint downtown area, there's no shortage of activities to keep you engaged. The town is home to a variety of shops, restaurants, and recreational facilities, making it a perfect place for families and individuals alike.

One of the standout features of Carmel is the availability of homes with private water access. Imagine waking up to the soothing sounds of nature, with your own slice of waterfront paradise right in your backyard. These properties offer an unparalleled lifestyle, allowing you to enjoy fishing, kayaking, or simply relaxing by the water's edge. With a diverse range of homes available—from cozy cottages to spacious family residences—there's something to suit every taste and budget.

Carmel’s excellent school district, coupled with its close-knit community atmosphere, makes it an ideal place to raise a family. Embrace the tranquility and charm of this beautiful town, where every day feels like a getaway. Discover your dream home in Carmel, where private water access and a welcoming community await you!

Newest Carmel Homes with Private Water

$495,000

2 Beds ⋅ 2 Baths ⋅ 1045648 MLS

Welcome to 24 Lake Trail, an inviting ranch in the Hill and Dale Country Club community offering a great opportunity for a starter home, downsizer, or anyone looking for a comfortable place to make their own. The home features a spacious kitchen with stainless steel appliances, a finished lower level offering valuable flexible living space, a one-car garage, and a backyard patio perfect for relaxing or entertaining. One of the highlights of living here is access to Hill and Dale’s community amenities, including the pond and beach, park, playground, basketball court, and tennis court. The annual association fee also includes road maintenance, snow plowing, and trash collection. A welcoming home with flexible living space, outdoor enjoyment, and a true sense of community, ready for its next chapter.

24 Lake Trail, Carmel

$489,000

2 Beds ⋅ 3 Baths ⋅ 1043941 MLS

Welcome to 10 Jay Court, a charming Cape Cod-style and beautifully maintained home nestled on a quiet residential setting. This inviting home offers a flexible layout with comfortable living spaces, generous storage, and finished lower-level space that adds tremendous versatility. Enjoy the lifestyle of the Lake Carmel community with included lake privileges! The main level features a welcoming living room with rich, natural hardwood floors, a wood burning stove set within a rustic stone surround and two large double-hung windows allowing for abundant natural light. The dining room nearby offers a lovely picture window, hardwood flooring and wood framed French doors leading to a large 14x22 deck; making it ideal for everyday dining and entertaining. A functional kitchen flows seamlessly into the dining area with warm wood cabinetry, tile flooring and ample countertop space. Adjacent to the kitchen, the main level also features a convenient half bath. The upper level offers two comfortable rooms, a walk-in closet, a full bathroom, along with a spacious hall walk-in storage closet featuring washer/dryer hookup, providing convenient laundry options and excellent storage. The upstairs hallway features pull-down attic stairs for easy access to additional storage. The finished walk-out lower level expands the home's living potential with tile flooring throughout and a dedicated laundry area thoughtfully concealed behind louvered French doors. The lower level offers ample flexible space, including a family room, entertainment/recreation area, and potential office space, along with a spacious full bathroom featuring custom built-in storage cabinetry. Walk-out access provides added convenience and natural connection to the outdoors. Additional features include central air conditioning and mini wall units, as well as oil-fired heating with the boiler and oil tank neatly enclosed within the basement area. This home is also equipped with a central vacuum system for added convenience. Outside, a generously sized storage shed provides additional space for tools, equipment, and seasonal items. With its distinctive Cape Cod character, flexible finished space, multiple storage areas, outdoor living potential, and convenient location; this home offers a wonderful opportunity to create a space that fits your lifestyle. Come see all that 10 Jay Ct. has to offer!

10 Jay Court, Carmel

$475,000

3 Beds ⋅ 2 Baths ⋅ 1042296 MLS

Enjoy lakefront living in this charming 3-bedroom, 2-bath home. The main level features two bedrooms, a full bath, living room, kitchen with breakfast nook, and a separate dining area. The finished lower level adds valuable additional living space with a third bedroom, half bath, recreation room, plus utility and storage areas. Set on a beautiful property with direct lake access, the home features a spacious backyard, mature trees and plenty of room to relax and enjoy the water. A wonderful opportunity to update and make your own, whether as a year-round home or a weekend lake retreat.

231 N Terry Hill Road, Carmel

$495,000

2 Beds ⋅ 3 Baths ⋅ 1039199 MLS

Welcome to this beautifully maintained lakeside home, a cozy, charming retreat where peaceful water views shape the rhythm of everyday living. Nestled directly across from the shimmering lake, this inviting residence offers a bright, sun-filled bonus room, perfect as a private office, creative studio, serene reading nook, or bedroom, framed by tranquil scenery that inspires and soothes. Set within a vibrant and welcoming community, you’ll enjoy access to multiple picturesque beaches, scenic walking paths, nearby cafes, restaurants, and local shops that make daily living feel effortless and enjoyable. Renovated in 2019 and lovingly cared for, the home blends warmth and functionality with fresh paint, a newly paved driveway, and a fully fenced backyard and patio ideal for outdoor gatherings or quiet moments of retreat. The flexible mother-daughter layout with its own private entrance provides wonderful versatility for extended family, guests, or multi-generational living. The upstairs was previously enjoyed as a 3-bedroom layout, and the finished basement offers excellent potential as a comfortable 1-bedroom for extended family or guests, adding even more adaptability to the home’s design. Located in the highly sought-after Carmel School District and just over an hour from NYC, with quick access to I-84 and Metro-North, this home offers the perfect balance of vacation-style serenity and commuter convenience. Come experience this charming lakeside gem, it will not last.

222 N Terry Hill Road, Carmel

$529,000

4 Beds ⋅ 2 Baths ⋅ 1031081 MLS

Immaculate 4 bedroom, 2 full bath Raised Ranch offering the perfect blend of comfort, convenience, versitility and pride of ownership. This move in ready home features a bright and inviting floor plan designed for both everyday living and entertaining. The lower level includes a private bedroom and a full bathroom, making it an ideal space for extended family, guests, or anyone seeking additional privacy and comfort. A state of the art Puraflo Septic System provides added peace of mind, while Lake Rights to beautiful Lake Carmel is an added bonus. Ideally located on a small quiet low traffic street, close to schools, shopping, dining, and major highways, this home is a commuter's dream. Meticulously maintained inside and out, this exceptional property is ready for its next owners to move right in and enjoy all it has to offer.

17 Scotsdale Road, Carmel

$259,000

1 Beds ⋅ 1 Baths ⋅ 1025706 MLS

Imagine ending your day with the lake just moments away, where morning paddles, afternoon fishing, or quiet evenings by the water can become part of your everyday routine. This charming cottage offers lake access rights and the kind of relaxed lifestyle that's increasingly hard to find. Why settle for shared walls and monthly condo fees when you can enjoy the comfort and character of a place to call your own? Offering an appealing alternative to condo living, this home blends simplicity with the freedom of a detached property. The location makes everyday living easy. A nearby park invites you outdoors, while shopping and everyday conveniences are just minutes away. Whether you're looking for a weekend escape, a seasonal retreat, or a place to enjoy year-round, this cottage delivers a rare combination of recreation, convenience, and timeless charm.

43 W Croton Drive, Carmel

$384,999

2 Beds ⋅ 1 Baths ⋅ 1014131 MLS

?????? ??????????! ?????? ?????????????? ???? $??????,??????! Welcome to this charming ranch in a quiet Carmel neighborhood, offering an excellent opportunity for first-time buyers, downsizers, or anyone looking to create a home of their own. This 2-bedroom, 1-bath home features a bonus room, a nice-sized yard, ample driveway parking, and convenient one-level living. Enjoy lake rights and the added benefit of being within walking distance to the lake. Conveniently located near major parkways, schools, and nearby towns and villages. With its generous property and desirable location, this home is ready for its next chapter!

18 Worthington Drive W, Carmel

$499,000

2 Beds ⋅ 3 Baths ⋅ 000136 MLS

Welcome home to Twin Brook Manor! Come see this beautifully maintained 2-bedroom, 2.5-bath tri-level townhome offering comfort, style, and convenience. Featuring hardwood floors, elegant crown molding, and many recent improvements made throughout the years, this home is truly move-in ready. The updated kitchen boasts stainless steel appliances and opens to inviting living spaces perfect for everyday living and entertaining, finished walkout lower level with private rear yard. Ideally located with easy access to I-84 and I-684, as well as the Brewster North Train Station, commuting is a breeze. Enjoy nearby shopping, restaurants with indoor and outdoor dining, scenic walking and biking trails, reservoirs and lakes, and recreational parks, golf courses both public and private. This wonderful home offers the perfect blend of convenience and lifestyle. Town of Southeast, Brewster Schools. You won’t be disappointed — come see for yourself!

204 Twin Brook Court, Carmel

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Listings courtesy of OneKey® MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.