Carmel Homes under $800,000

Welcome to Carmel, New York – a charming town that perfectly blends suburban tranquility with vibrant community life. Nestled in Putnam County, Carmel boasts a rich history, stunning natural landscapes, and a welcoming atmosphere, making it an ideal place for families and individuals alike.

One of the standout features of Carmel is its highly-rated school district. The Carmel Central School District is renowned for its commitment to academic excellence, offering a comprehensive curriculum that caters to students from kindergarten through high school. With dedicated teachers, a variety of extracurricular activities, and a focus on fostering a supportive learning environment, parents can feel confident that their children are receiving a top-notch education. The district also emphasizes the importance of community involvement, encouraging families to engage in school events and initiatives.

For those looking to call Carmel home, you’ll be pleased to discover a range of charming properties available for under $800,000. These homes not only offer great value but also provide access to the town’s beautiful parks, recreational facilities, and scenic lakes. Whether you’re seeking a cozy single-family home or a spacious residence with a backyard, Carmel’s real estate market has something to suit every taste and budget.

Living in Carmel means enjoying a peaceful lifestyle while being just a short drive from the bustling cities of New York. With its excellent schools, friendly community, and diverse housing options, Carmel is truly a hidden gem that offers the best of both worlds. Come explore the possibilities and make Carmel your next home!

Newest Carmel Homes under $800,000

$569,900

3 Beds ⋅ 2 Baths ⋅ 1062063 MLS

Welcome Home to 19 St. Michaels Terrace in Carmel, where natural light, comfortable living spaces, and inviting outdoor amenities come together in this well-maintained raised ranch. Hardwood floors extend throughout the main level, creating a warm and cohesive feel. The sun-filled living room features an electric fireplace and flows seamlessly into the dining area and updated kitchen, complete with granite countertops, stainless steel appliances, and a wine refrigerator. Three comfortable bedrooms include a primary bedroom, while the full hall bathroom offers an updated tiled shower and granite vanity. The lower level offers exceptional flexibility and is currently being used as a primary suite. With a separate entrance, full bathroom with stand-up shower, sliding glass doors leading directly outdoors, and roughed-in plumbing for a future kitchenette, the space offers an ideal setup for extended family, a possible mother-daughter arrangement, or potential accessory apartment use, subject to all applicable municipal approvals and requirements. It could also easily serve as a beautiful, cozy family room, guest suite, home office, or additional living area. A dedicated laundry room, linen closet, and convenient mudroom with direct access to the driveway and attached deep one-car garage add to the home's functionality. Mini-split systems provide heating and air conditioning for year-round comfort. Outside, enjoy a Trex deck overlooking the fenced backyard, perfect for relaxing, entertaining, and enjoying the warmer months. The above-ground pool features a new liner and pump, offering even more opportunity to make the most of outdoor living, while a storage shed provides convenient space for tools, equipment, and seasonal items. Vinyl siding, along with municipal water and sewer, adds to the home's convenience and appeal. Conveniently located near major highways, shopping, restaurants, bike path, parks and everyday amenities

19 Saint Michaels Terrace, Carmel

$675,000

7 Beds ⋅ 2 Baths ⋅ 1061305 MLS

Two Family Property With Long Term Residents, Set Up In Three and Four Bedroom Apartments. Each Unit Has Its Own Separate, Individual Entrance With Residents Paying Their Own Electric, Hot Water And Providing Snow Removal; Owner Pays Heat And Does Lawncare. Plenty Of Parking Is Offered, As Recent Repaved Driveway Expands In The Rear Allowing Space For Approximately (8) Vehicles. Home Includes A Large Walkup Attic For An Abundance Of Storage And A Full, Unfinished Basement For Even More. This Property Is Being Sold As Is. Agents, Please See Other Remarks For More Information.

163 Hill And Dale Road, Carmel

$199,000

1 Beds ⋅ 1 Baths ⋅ 1029952 MLS

Welcome to Fox Run Condominiums – A Hidden Gem Near the Charming Village of Carmel! Enjoy carefree living in a beautiful park-like community featuring a spacious swimming pool, assigned parking directly outside your building, on-site laundry facilities, and ample storage. Conveniently located just minutes from shopping, dining, Routes 84 and 684, and the Brewster Metro-North station, commuting to New York City or Westchester is effortless. Nothing to do but unpack and enjoy! As an added bonus, eligible buyers may qualify for the New York STAR property tax exemption, which has historically provided significant annual tax savings. Whether you're a first-time homebuyer, downsizing, or looking for a low-maintenance investment, this exceptional condo offers comfort, convenience, and outstanding value in one of Carmel's most desirable communities.

525 Fox Run Lane, Carmel

$328,000

2 Beds ⋅ 1 Baths ⋅ 1059702 MLS

Nestled in a peaceful, serene setting, this charming rustic cottage offers you a private sanctuary. Seamlessly blending timeless warmth with the exclusive perk of Lake Carmel rights, this home invites you to embrace a lifestyle of slow mornings and sun-drenched afternoons at the water's edge. Whether you're looking for a year-round residence or a peaceful weekend retreat, having lake privileges means beach access, boating and breathtaking sunsets are just moments from your front door. Inside, the intimate layout maximizes character and comfort, creating an inviting atmosphere that immediately feels like home. This 2 bedroom layout also features a large bonus room, ideal for a guest room, 3rd bedroom, den, or office space. Enjoy peace of mind knowing the property has been thoughtfully updated through the years with massive capital improvements, including a complete septic system, roof, well pump, water heater, all windows replaced, as well as new plumbing throughout. Commuters and weekend travelers alike will love the incredibly convenient Putnam County location. You are just minutes away from Route 6, Route 55, I-84 and Taconic State Parkway, providing quick access to wherever you need to go. In addition, the nearby Metro-North train station puts New York City within easy reach, giving you the perfect balance of city access and the peace and quiet of your new home. For anyone looking to take a deep breath, slow down, and fully embrace a more relaxed pace of life...your search ends here!

40 Huguenot Road, Carmel

$350,000

3 Beds ⋅ 1 Baths ⋅ 1061369 MLS

If you’ve been waiting for the right home in the right location, this one deserves a look. This 3 bedroom Cape Cod sits minutes from Lake Carmel and about 10 minutes from Metro-North, with grocery stores, shopping and dining close by. That makes everyday life easy and the commute manageable. The living room is the heart of the home, with exposed wood beams, a bay window that brings in great light, and a brick fireplace that makes it a place you’ll want to spend time on cold nights. The kitchen opens to a dining area with sliding doors to the backyard, so moving between indoor and outdoor space is easy. Three bedrooms and a full bath complete the main level. The basement with its own exterior door give you great storage or room to grow as your plans change. The backyard is a real standout. It’s wide, level and sunny, with a gazebo for warm evenings and a shed for your tools and toys. This home could use some love and care, and that’s exactly what makes it such a great opportunity. Put your personal touch on it and build equity with every improvement, all in a location that buyers always want. Come see the location and the potential in person, and picture what you could make of it.

41 Echo Road, Carmel

$585,000

2 Beds ⋅ 2 Baths ⋅ 1047800 MLS

Welcome to this completely renovated from top to bottom Hi-Ranch home, this place is an absolute gem if you love a mix of modern comfort and quiet nature. It features a brand-new roof, siding, windows, and new electrical, meaning zero maintenance for years to come. Inside, hardwood floors and a cozy fireplace are perfect for chilly nights. If you love to cook, the kitchen is fully updated with beautiful granite countertops and sleek stainless steel appliances. The home features two bedrooms, two full baths, and a highly versatile flex space that works perfectly for a home office, gym, or studio. Outside, you get tons of outdoor space surrounded by trees, plus a lake just down the road for swimming, fishing, and kayaking. Parking and storage are a breeze with a 1-car garage and an attached carport that offers excellent potential to expand into a second garage down the road. Great commuter location.

173 Milltown Road, Holmes

$625,000

4 Beds ⋅ 4 Baths ⋅ 1060224 MLS

Welcome to this beautifully renovated 3-bedroom home set on over an acre of picturesque property in the heart of Patterson, NY. Filled with natural light and thoughtfully updated throughout, the main residence offers the perfect blend of modern comfort, charm, and versatility. The spacious primary bedroom features its own private bathroom and walk-in closet, while two additional bedrooms provide plenty of room for family, guests, a home office, or flex space. The renovated kitchen shines with stainless steel appliances and a fresh, modern feel, while new windows throughout bring in abundant natural light and enhance the home's comfort and efficiency. Enjoy morning coffee or unwind at the end of the day from the inviting front sitting porch. The screened-in back porch provides an ideal setting for outdoor dining, entertaining, or simply taking in the peaceful surroundings. A stream meanders through the property, adding to the natural beauty and creating a tranquil setting you'll appreciate in every season. A new walkway adds to the home's welcoming curb appeal and ease of access. Adding even more potential is the separate one-bedroom cottage, offering an exciting opportunity for those looking to create additional living space, a private guest retreat, home office, studio, or potential income-producing property. With renovation needed, the cottage provides a blank canvas to bring your vision to life and maximize the possibilities of this unique property. All this in a convenient Patterson location, close to shopping, Metro-North trains, skiing, hiking trails, golf, dining, and countless outdoor recreation opportunities. Whether you're looking for a move-in-ready home with room to grow, a property with income potential, or a peaceful retreat with easy access to everything the area has to offer, this one is full of possibilities. Come see all that this special property has to offer!

99 Route 292 Unit #101, Patterson

$545,000

5 Beds ⋅ 2 Baths ⋅ 1059875 MLS

Convenient one-level living meets timeless country charm in this delightful ranch-style home, set high atop almost an acre and perfectly positioned for an easy, comfortable lifestyle. With 1,772 SF of living space, five bedrooms, two full baths, and an unfinished 1,242 SF basement offering tremendous potential, this home combines versatility, character, and convenience in one inviting package. The country charm begins at the covered front porch and continues inside, where the spacious living room features hardwood floors, a large bay window, custom built-ins, and a charming sliding barn door leading to the dining room. A wide opening from the living room flows naturally into the country kitchen, where warm honey-toned cabinetry is complemented by black granite countertops and updated stainless steel and black appliances. A delightful butler’s pantry adds both function and character and could easily become the perfect coffee bar. The eat-in kitchen provides plenty of room for a dining table, with large windows on two sides bringing in an abundance of natural light. A French door opens to the back patio, creating an easy connection to outdoor dining and entertaining, complete with a BBQ grill, dining set, chairs, and a firepit. Designed for adaptable living, the main floor boasts five versatile bedrooms and two full baths. The current setup utilizes three spaces as dedicated bedrooms, one as a home office, and another as a formal dining room, allowing future owners to tailor the floor plan to their exact lifestyle. Down a long main hallway, you will find a spacious hall bath featuring a large walk-in shower alongside double stacked washer and dryer units. At the end of the hall, the private primary suite serves as a quiet retreat, complete with a walk-in shower and a sliding barn door opening to a walk-in closet. The unfinished basement adds another 1,242 SF of opportunity, with four separate rooms ready for whatever the future may bring. Create additional living space, a recreation room, home gym, studio, workshop, or simply take advantage of the abundant storage and utility space. Outside, there is easy parking for at least five cars, along with front, side, and private backyard areas to enjoy. The setting offers a wonderful balance of country atmosphere and everyday convenience. Located directly across from Thunder Ridge Ski Area and just minutes from Route 22, shopping, restaurants, multiple Metro-North train stations, I-684/I-84, and the Taconic Parkway, this charming ranch provides the best of both worlds: peaceful country living with exceptional access to everything you need.

39 Birch Hill Road, Patterson

$695,000

4 Beds ⋅ 3 Baths ⋅ 1058654 MLS

Welcome Home! If you’ve been searching for a place to call your forever home, this beautiful, well-maintained Colonial is ready to welcome you. Offering four spacious bedrooms and two-and-a-half baths, this home provides the space, comfort, and versatility you’ve been looking for. The inviting first floor features an eat-in kitchen, formal dining room, living room, and a large family room with a fireplace, creating the perfect setting for both everyday living and entertaining. A bonus recreation room, workroom, and ample storage space provide even more room to suit your lifestyle. Retreat to the spacious primary ensuite, complete with a large walk-in closet and relaxing Jacuzzi tub. Outside, the large deck and level backyard create an ideal setting for summer gatherings, entertaining family and friends, or simply enjoying your own private outdoor space. Situated in a lovely, convenient location within walking distance to Leetown Recreational Park, and just minutes from the Taconic Parkway, shopping, dining, and everyday amenities. Don’t miss the opportunity to make this wonderful Colonial your next home. Schedule your private showing today and end your search!

54 Christine Court, Stormville

$775,000

3 Beds ⋅ 3 Baths ⋅ 1060472 MLS

Tucked away in the serene landscape of Carmel, 36 Troxell Trail offers a perfect blend of modern comfort and natural beauty. This inviting residence greets you with an airy, open layout designed for both easy daily living and effortless entertaining. Large windows throughout the home frame picturesque views of the surrounding greenery, flooding the interior with an abundance of soft, natural light. The heart of the home features a spacious kitchen that flows seamlessly into the dining and living areas, creating a warm and connected atmosphere. Retreat to the primary suite, a peaceful sanctuary designed for relaxation, or step outside to the expansive deck—the ultimate spot for morning coffee or evening gatherings under the stars. The property boasts a generous yard with plenty of space for gardening, recreation, or simply soaking in the tranquil environment. With its clean lines, thoughtful finishes, and a location that feels worlds away while remaining close to local conveniences, this home is a rare find. Experience the quiet charm and understated elegance of life on Troxell Trail.

36 Troxell Trail, Carmel

$529,000

3 Beds ⋅ 3 Baths ⋅ 1059576 MLS

Desirable cul-de-sac location just off Westgate Terrace! This beautiful Raised Ranch offers comfortable living in a convenient location, just minutes from I-84, Metro-North, local schools, and the lake. Hardwood floors flow throughout the main level, featuring a welcoming living room with pellet stove. The lower level provides additional living space with a spacious family room and second pellet stove, perfect for relaxing or entertaining. Step outside and enjoy the expansive wraparound deck, conveniently accessible from both the kitchen and living room, overlooking beautiful perennial landscaping. A two-car garage provides plenty of parking and storage. With its inviting interior, desirable location, and wonderful outdoor space, this home offers the perfect combination of comfort, convenience, and charm. A number of updates have been done throughout the home.

8 Dover Lane, Carmel

$629,000

2 Beds ⋅ 3 Baths ⋅ 1059211 MLS

Welcome to one of the most desirable St. Andrews models at The Fairways! This exceptional end-unit townhouse offers nearly 2,000 square feet of beautifully appointed living space, a coveted two-car garage, and an unusually private, scenic setting overlooking expansive open fields. Inside, the open floor plan creates an effortless flow between the kitchen, dining and living rooms, with wide-plank wood flooring throughout and a wood-burning fireplace adding warmth and character to the living room and creating an inviting space for everyday living and entertaining. The main level also offers a versatile bonus room, perfect for a home office, den, guest space or whatever best suits your lifestyle. Upstairs, the spacious primary suite features a walk-in closet, two additional double closets and a stylishly updated en-suite bath (2023). A second bonus room off the primary suite provides additional flexibility for a private office, den or sitting area The second bedroom has its own en-suite bath, also beautifully updated in 2024.. The expansive deck, just off the living room, is a wonderful extension of the living space, offering a peaceful place to relax or entertain while taking in the beautiful open setting and exceptional privacy. Additional updates include a new stainless-steel refrigerator (2026), an upsized and relocated hot water heater (2023), and a two-zone AC system with heat pump replaced in 2021. Residents of The Fairways also enjoy a community pool and playground. A truly special opportunity to enjoy the space, privacy and amenities of The Fairways in a home that offers something few others can: an end-unit setting, two-car garage and expansive open views.

159 Fairway Drive, 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.