Putnam County Homes under $400,000

Welcome to Putnam County, New York – a hidden gem nestled in the picturesque Hudson Valley. Known for its stunning natural landscapes, charming small towns, and rich history, Putnam County offers a unique blend of tranquility and accessibility, making it an ideal place for families, retirees, and everyone in between. Just a short drive from the bustling metropolitan areas of New York City and Westchester County, residents enjoy the serenity of suburban life while still having the vibrancy of city amenities within reach.

Putnam County is renowned for its breathtaking lakes, lush hiking trails, and vibrant arts scene. Whether you’re exploring the scenic beauty of Lake Mahopac, hiking the trails of the Hudson Highlands, or savoring local cuisine at quaint eateries, there’s something for everyone to enjoy. The county is also home to a strong sense of community, with numerous events and festivals throughout the year that celebrate the local culture and heritage.

For those looking to settle down in this idyllic area, Putnam County offers an array of homes under $400,000. From charming single-family houses to cozy cottages, you’ll find a variety of options that cater to different lifestyles and preferences. These affordable homes provide an excellent opportunity for first-time buyers, young families, or anyone looking to invest in a peaceful yet vibrant community. With competitive pricing and a welcoming atmosphere, Putnam County is the perfect place to call home. Come discover your dream home in this enchanting corner of New York!

Newest Putnam County Homes under $400,000

$200,000

1 Beds ⋅ 1 Baths ⋅ 1057375 MLS

Welcome to this beautifully appointed second-floor residence in the Fox Run community, where thoughtful updates, inviting living spaces, and a prime location come together with ease. The light-filled living room is enhanced by hardwood floors and recessed lighting, with a door opening to a private balcony that provides a lovely extension of the living space. The eat-in kitchen blends style and functionality with contemporary cabinetry, tile flooring, recessed lighting, and newer appliances. The generously proportioned bedroom offers a peaceful retreat with new carpeting and its own sliding glass doors leading to the balcony. A tastefully renovated full bath features stylish fixtures. Freshly painted throughout, the residence also benefits from upgraded plumbing and windows, tile flooring in the entry, energy-efficient water-filled electric baseboard heating, a new water heater, and a new wall-mounted air-conditioning unit—valuable improvements that enhance year-round comfort and efficiency. One assigned parking space plus an additional visitor space provides added convenience. Fox Run residents also enjoy a swimming pool with bathroom and changing room, playground, on-site laundry facilities, and private storage. Ideally positioned near the Metro-North train station, I-684, I-84, shopping, dining, and everyday conveniences, this move-in-ready residence presents an appealing combination of refined finishes, easy living, and exceptional accessibility.

319 Fox Run Lane, Carmel

$350,000

2 Beds ⋅ 1 Baths ⋅ 1056310 MLS

Most Lake Carmel cottages make you choose between the lake and elbow room. 37 Woodstock Road doesn't. Picture mornings on the lake and evenings by the fire: a single-level ranch on nearly a third of an acre — 13,068 square feet with 111 feet of frontage, one of the more generous lots in the community. At 1,114 square feet, it lives larger than the typical lake cottage: two bedrooms, a full bath, and a living room built around a wood-burning fireplace, everything on one easy floor. Outside, the yard is ready for a vegetable garden, a fire pit, a patio for summer dinners — or simply breathing room. Lake Carmel community rights include the private beaches, the lake and its walking paths. Swim and paddle in summer, walk the shoreline when the leaves turn, and watch the fireworks over the water. Why share walls and pay condo fees when you can own a detached home with lake rights? Enjoy it year-round or as a weekend retreat — Carmel Central School District, minutes to Route 52, I-84 and the Southeast Metro-North station, about 60 miles from New York City. Arrive in time for fall, when the fireplace earns its keep.

37 Woodstock Road, Carmel

$379,999

2 Beds ⋅ 1 Baths ⋅ 1051530 MLS

Welcome Home to Lake Peekskill! Charming, cozy, and full of possibilities, this delightful two-bedroom, one-full-bath home offers peaceful surroundings, privacy, and a wonderful connection to nature. Situated on a quiet dead-end road, this home features an inviting open floor plan, a spacious kitchen, and French doors leading to a large deck—perfect for relaxing, entertaining, or simply enjoying the beautiful natural setting. One of the home’s standout features is the gorgeous stone fireplace, adding warmth, character, and a cozy focal point to the living space. Whether you’re looking for a great step up from apartment living, an alternative to renting, or the perfect place to downsize without giving up space and privacy, this home offers plenty of potential. Enjoy a peaceful, nature-filled setting while still being conveniently located near restaurants, shopping, and major commuter routes and schools. A must-see to truly appreciate all this home has to offer. Come take a look and make Lake Peekskill your new home! Public garbage service and Lake Peekskill lake rights are an extra bonus.

153 Nardin Road, Lake Peekskill

9 Forge Gate Drive Unit #E2, Cold Spring

$390,000

2 Beds ⋅ 1 Baths ⋅ 1055797 MLS

Not to be missed! This bright and inviting 2nd-floor end unit features gleaming hardwood floors and lots of natural light. The spacious, open Living Room flows into the Dining Area w/sliders to the rear balcony - the perfect spot to relax and enjoy peaceful views of nature. The Dining Area opens to the Kitchen, making the space comfortable for both everyday living and entertaining. You'll also find 2 nicely sized Bedrooms, including one with a roomy walk-in closet, plus a Full Bath. Heat, Hot Water and Basic Cable are included in the HOA fees. There is a pool in the complex to enjoy during the summer. Whether you're looking for a primary residence or a country getaway, this Cold Spring condo offers an ideal combination of location, convenience and charm. Walk to Cold Spring's iconic Main Street, the Hudson River waterfront and Metro-North Train Station - all less than 1/4 mile from your front door. A commuter's delight w/no parking fees or permits needed - you'll have your own assigned parking space at your new condo. Enjoy convenient train service to NYC along the scenic Hudson Line, w/picturesque views along the way (avg. 1hr 13 min. to Grand Central)! Convenient to schools, grocery shopping, restaurants, banks and everyday necessities, w/easy access to Route 9 and only 6 miles to the Taconic State Parkway. Enjoy all that the charming Village of Cold Spring and the beautiful Hudson Valley have to offer right outside your door!

9 Forge Gate Drive Unit #E2, Cold Spring

$389,900

2 Beds ⋅ 1 Baths ⋅ 1047835 MLS

Some places have a way of slowing everything down, and this charming Lake Peekskill cottage does exactly that. Surrounded by 2.3 acres of lush greenery, it feels wonderfully removed from the rush of everyday life, with an amount of land that gives this setting a character all its own. Whether you are searching for a full-time residence or a weekend getaway, this is the kind of place where you can exhale, unplug and settle into a quieter pace. The front porch may quickly become your favorite spot. Bring a swing, pour your morning coffee and listen to the birds while taking in the natural surroundings. Step inside and that same sense of warmth continues in the cozy living room, where a high ceiling and stone wood-burning fireplace create an inviting first impression. Two bedrooms and a full bath carry through the cottage's restful simplicity. The bright eat-in kitchen features stainless steel appliances and leads into an absolutely delightful dining room, made even more appealing by two separate exterior doors. One opens toward the front grounds and the other to the rear, creating an easy connection between indoors and out. Entertaining can spill beyond the table, while quiet days might simply mean opening the doors, wandering the acreage or heading outside with your pup whenever the mood strikes. A large walk-out basement with its own entrance provides plenty of storage along with access to the utilities. The generous driveway accommodates multiple vehicles with additional room for recreational toys. Recent improvements include a Generac Generator, well tank approximately one year old, along with a water tank and boiler both less than two years old. Lake Peekskill adds another dimension to the lifestyle here, with opportunities for fishing, canoeing and peaceful walks near the water. Yet for all the privacy and natural beauty surrounding you, everyday conveniences remain remarkably close. Schools, shopping, restaurants, takeout, medical offices, highways and train stations can all be reached in approximately ten minutes or less, with several even closer. A little cottage, a remarkable piece of land and more than two acres to call your own. Come here for the porch, stay for the peacefulness, and discover just how good life can feel when nature is right outside your door.

149 Tanglewylde Road, Lake Peekskill

$399,000

2 Beds ⋅ 2 Baths ⋅ 1055788 MLS

Your cottage by the lake awaits! Gorgeous lake views, lake rights and a spacious deck—here is your opportunity to enjoy the Lake Carmel lifestyle! This inviting 2-bedroom, 1.5-bath home was renovated in 2004, is move-in ready and has a huge 2nd floor bonus room. Offering a comfortable, easy-to-maintain layout ideal for first-time buyers, weekenders or those looking to downsize. Relax or entertain on the spacious deck while taking in the lake views, and enjoy the added convenience of plenty of off-street parking. The partially fenced property can easily be completed for pets or play, while lake rights offer the opportunity to enjoy days by the water just moments from home. The property has a nice blend of privacy, lake views and a bountiful garden just waiting for you to enjoy. Whether you're searching for a first home, weekend getaway, or a simpler place to call home, this charming lake-view cottage offers the perfect setting to slow down and enjoy every season. Convenient to shopping, dining, Metro-North and major roadways — an affordable opportunity to enjoy lake living in the Hudson Valley!

556 Route 52, Carmel

$369,000

2 Beds ⋅ 1 Baths ⋅ 1054613 MLS

Looking for your piece of the American Dream at a fraction of what many homes are selling for today? Look no further. This two-bedroom, one-bath home offers additional finished living space in the basement, currently being utilized as a third bedroom, with additional space that could be ideal for a second family room, home office, recreation area, or flexible living space. Currently tenant-occupied, the property offers the opportunity to purchase as a primary residence or consider its potential as an income-producing investment. For buyers looking to make a home their own, some cosmetic updates and TLC could go a long way toward unlocking its full potential. Investors may appreciate the opportunity to add a rental property in a convenient commuter-friendly location to their portfolio. Enjoy suburban living while maintaining convenient access to New York City. The home is positioned near the Taconic State Parkway and Metro-North train service, providing multiple options for commuters. Everyday conveniences are also close by, including a neighborhood deli, restaurants, schools, and area lakes. The photos show the possibilities. Bring your vision, make the improvements that suit your style, and create a home that works for you. With home prices continuing to challenge affordability throughout the region, opportunities at this price point and in a location with access to major roadways and public transportation deserve attention. Whether you're looking for a place to call home or an investment opportunity, this property offers flexibility, location, and potential. Come see what you can create here.

55 Morrissey Drive, Lake Peekskill

$385,000

2 Beds ⋅ 1 Baths ⋅ 1053818 MLS

Beautifully updated and full of charm, this 2-bedroom, 1-bath home offers the ease of one-floor living set on one private acre of absolute serenity. Every detail has been attended to, from the brand-new siding to the brand-new roof and newly sealed driveway providing excellent curb appeal. Step inside to a spacious living room with hardwood floors that flow seamlessly into the dining area, creating a warm and inviting space for everyday living. The renovated kitchen features stainless steel appliances, generous cabinet and counter space, vaulted ceilings, and distinctive arched details that add unique character. Recent interior improvements also include a completely updated kitchen and bathroom. Relax in the beautiful garden, surrounded by total privacy and serenity. Enjoy exclusive access to Dixon Lake and direct proximity to protected New York State land, offering hiking and outdoor recreation just beyond your backyard.

577 Wood Road, Mahopac

$199,000

2 Beds ⋅ 2 Baths ⋅ 1051295 MLS

If you've ever wanted to call Lake Peekskill home, this is your opportunity - bring your contractor. Set on a quarter-acre lot on a quiet, small cul-de-sac in a charming lake community, this 2-bedroom, 1.5-bath property has a private patio perfect for barbecuing on summer nights or gathering around a firepit in the fall, This home boasts a three car driveway for convenient off street parking. Close to shopping, restaurants and parks. Commuters will appreciate the easy access to major routes and Metro-North, putting NYC within about an hour's drive. Do not hesitate to make an appointment to see this fabulous opportunity. Property Sold As-Is.

22 Harper Street, Lake Peekskill

$400,000

2 Beds ⋅ 2 Baths ⋅ 1051953 MLS

Welcome home to this beautiful townhome in the highly sought after Eagles Ridge Community! Bright, fully renovated, and ready to call it home. Stainless steel kitchen appliances with modern design touches bring the kitchen to life! Spacious open living room and dining room making entertaining a breeze. Downstairs includes two bedrooms, in unit laundry, and two full bathrooms. The gorgeous and large primary suite includes a full bathroom with walk in shower, a walk in closet, and sliding doors to outside. Private storage shed included as well. All you have to do here is move in! Close to Metro North Train, major highways, hiking trails, fishing spots, and local shopping this is a perfect location!

706 Eagles Ridge Road, Brewster

$329,999

2 Beds ⋅ 1 Baths ⋅ 1047939 MLS

Welcome to this bright and inviting condo, where pride of ownership is evident throughout. The spacious, oversized living room is designed for comfortable living and entertaining, featuring a beautiful wood-burning fireplace and two built-ins that provide both functionality and charm. All-new 2025 energy-efficient windows fill the space with natural light while bringing the beauty of the surrounding landscape indoors. The thoughtfully designed layout offers generous room sizes and flexible living space, with plenty of options for dining in the expanded living area or enjoying a casual meal in the eat-in kitchen. Custom crown moldings add an elegant finishing touch, while new carpeting (2025) and a new hot water heater offer added peace of mind. A detached one-car garage and an additional parking space provide added convenience and flexibility, with plenty of guest parking available as well. Ideally located just 2 miles from Metro-North, this home provides convenient access to commuting, major highways, shopping, and local restaurants, while still offering a peaceful setting surrounded by nature. Comfortable, well-maintained, and move-in ready, this condo offers a wonderful opportunity to enjoy easy living in a convenient location. Come see all that this special home has to offer!

1704 Holly Stream Court, Brewster

$389,000

3 Beds ⋅ 1 Baths ⋅ 1050986 MLS

Welcome to 169 Walnut Road, a charming 3-bedroom, 1-bath home in the Lake Peekskill community of Putnam Valley. Set on a private, wooded property, this home offers a warm and inviting interior with hardwood floors, exposed beams, natural wood details and plenty of character throughout. The main level features a comfortable living area, kitchen, three bedrooms and a full bath, while ductless mini-split units provide cooling throughout the living space and bedrooms. The home’s finished full walk-out basement adds valuable additional space with flexibility for a recreation area, home office, studio, hobby space, storage or other uses. Laundry is also conveniently located on the lower level. Outside, enjoy a peaceful setting surrounded by mature trees, with a backyard, patio area and storage shed offering plenty of opportunity to relax, garden or create your own outdoor retreat. The property also features private well and septic systems. Located in Lake Peekskill within the Town of Putnam Valley, this home combines the character of a cozy Hudson Valley property with convenient access to the surrounding area’s lakes, parks, recreation and natural beauty. Whether you’re looking for a primary residence or a weekend escape from the city, 169 Walnut Road offers a wonderful opportunity to make this unique property your own. Seller Occupied.

169 Walnut Road, Lake Peekskill

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