# 231 N Terry Hill Road, Carmel, NY 10512

> **TL;DR:** 3bd/2ba single family, $450,000 ($281/sqft), built 1950, 1,600 sqft.
> Fireplace, Waterfront, View. Est. $2,406/mo. Listed 71 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $450,000 |
| Price/sqft | $281 |
| Bedrooms | 3 |
| Bathrooms | 1 full, 1 half |
| Square Feet | 1,600 |
| Year Built | 1950 |
| Lot Size | 5,998 sqft (0.14 acres) |
| Property Type | Single Family (Single Family Residence) |
| Status | Pending |
| Days on Market | 71 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Lake

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,275 |
| Estimated Insurance | $131 |
| **Total** | **$2,406** |

## Nearby Schools

- **Elementary:** Kent Elementary
- **Middle:** George Fischer Middle School
- **High:** Carmel High School

## Key Amenities

- Fireplace
- Waterfront
- View

## Property Highlights

- Built in 1950
- 0.14 acre lot
- Fireplace
- Waterfront

## Description

### Agent Description
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.

## Location

- **Address:** 231 N Terry Hill Road, Carmel, NY 10512
- **County:** Putnam County
- **Coordinates:** 41.469821, -73.663849
- **Google Maps:** https://www.google.com/maps?q=41.469821,-73.663849

## Listing Agent

- **Name:** John Holly
- **Brokerage:** holly real estate
- **Broker Phone:** (845) 225-8000
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/231-N-Terry-Hill-Rd_Carmel_NY_10512_M39360-11435?f=listhub&s=MLSLINY&m=1042296&c=propsimple)

## Photos

![231 N Terry Hill Road - Photo 1](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f357248676r.jpg)

![231 N Terry Hill Road - Photo 2](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2545340554r.jpg)

![231 N Terry Hill Road - Photo 3](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2057606759r.jpg)

![231 N Terry Hill Road - Photo 4](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f527772649r.jpg)

![231 N Terry Hill Road - Photo 5](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f704401732r.jpg)

![231 N Terry Hill Road - Photo 6](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3463654232r.jpg)

![231 N Terry Hill Road - Photo 7](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1792870048r.jpg)

![231 N Terry Hill Road - Photo 8](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2239544159r.jpg)

![231 N Terry Hill Road - Photo 9](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2602248479r.jpg)

![231 N Terry Hill Road - Photo 10](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3617438423r.jpg)

![231 N Terry Hill Road - Photo 11](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3453293713r.jpg)

![231 N Terry Hill Road - Photo 12](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2458353713r.jpg)

![231 N Terry Hill Road - Photo 13](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f508848806r.jpg)

![231 N Terry Hill Road - Photo 14](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3875519548r.jpg)

![231 N Terry Hill Road - Photo 15](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3538193535r.jpg)

![231 N Terry Hill Road - Photo 16](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1956004575r.jpg)

![231 N Terry Hill Road - Photo 17](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f963565576r.jpg)

![231 N Terry Hill Road - Photo 18](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f63723376r.jpg)

![231 N Terry Hill Road - Photo 19](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1451221285r.jpg)

![231 N Terry Hill Road - Photo 20](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3090338803r.jpg)

![231 N Terry Hill Road - Photo 21](http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2809097518r.jpg)

---

**MLS#:** 1042296 | **Updated:** 2026-10-29
**Source:** listhub

*Copyright © 2026 OneKey MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "@id": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71#listing",
  "url": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71",
  "name": "231 N Terry Hill Road, Carmel, NY 10512",
  "description": "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.",
  "image": [
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f357248676r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2545340554r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2057606759r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f527772649r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f704401732r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3463654232r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1792870048r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2239544159r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2602248479r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3617438423r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3453293713r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2458353713r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f508848806r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3875519548r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3538193535r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1956004575r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f963565576r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f63723376r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1451221285r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3090338803r.jpg",
    "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2809097518r.jpg"
  ],
  "primaryImageOfPage": {
    "@type": "ImageObject",
    "url": "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f357248676r.jpg",
    "caption": "231 N Terry Hill Road - Carmel, NY"
  },
  "datePosted": "2026-08-24",
  "dateModified": "2026-10-29T02:25:20.242Z",
  "mainEntity": {
    "@type": "Accommodation",
    "@id": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71#property",
    "name": "231 N Terry Hill Road, Carmel, NY 10512",
    "address": {
      "@type": "PostalAddress",
      "streetAddress": "231 N Terry Hill Road",
      "addressLocality": "Carmel",
      "addressRegion": "NY",
      "postalCode": "10512",
      "addressCountry": "US"
    },
    "geo": {
      "@type": "GeoCoordinates",
      "latitude": 41.469821,
      "longitude": -73.663849
    },
    "image": [
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f357248676r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2545340554r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2057606759r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f527772649r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f704401732r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3463654232r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1792870048r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2239544159r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2602248479r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3617438423r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3453293713r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2458353713r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f508848806r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3875519548r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3538193535r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1956004575r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f963565576r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f63723376r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f1451221285r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f3090338803r.jpg",
      "http://lh.rdcpix.com/97659ee66e5b20f0ad6f58b1b531836fl-f2809097518r.jpg"
    ],
    "identifier": {
      "@type": "PropertyValue",
      "propertyID": "MLS",
      "value": "1042296"
    },
    "accommodationCategory": "Single Family Residence",
    "numberOfBedrooms": 3,
    "numberOfBathroomsTotal": 2,
    "numberOfFullBathrooms": 1,
    "numberOfPartialBathrooms": 1,
    "floorSize": {
      "@type": "QuantitativeValue",
      "value": 1600,
      "unitCode": "FTK",
      "unitText": "square feet"
    },
    "yearBuilt": 1950,
    "amenityFeature": [
      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Hot Water(Heating)"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Cooling",
        "value": "Ductless"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Appliances",
        "value": "Electric Oven, Refrigerator"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Construction Materials",
        "value": "Frame"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Views",
        "value": "Lake"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Off Street, Driveway"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Fireplace",
        "value": true
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Waterfront",
        "value": true
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "View",
        "value": true
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "0.14 acres"
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Single Family Residence"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71#offer",
    "url": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71",
    "price": 450000,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/LimitedAvailability",
    "seller": {
      "@id": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71#agent",
    "name": "John Holly",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/231-n-terry-hill-road-carmel-ny-10512-9ab26a85cad644cb8d8fbe7092f8ac71#brokerage",
      "name": "holly real estate",
      "telephone": "(845) 225-8000"
    }
  }
}
```