90 Shingle House Road, Millwood, NY, 10546 | $849,000

Eco-Friendly Charm in Chappaqua School District – Expanded Cape with Bonus Cottage Set on a peaceful, landscaped half-acre in the Chappaqua School District, this well-maintained, expanded Cape offers flexible living with a lighter environmental footprint. The 3-bedroom main home (lives like a 4-bedroom) and a separate 1-bedroom cottage provide space for guests, extended family, or extra income. A welcoming family room with stone accent wall opens to a sunlit living room featuring hardwood floors, fireplace, and scenic window views. The open dining area suits any occasion. Private office with deck access offers ideal work-from-home flexibility. The bright kitchen offers generous workspace, a center island, and a sunny bay window, making it a cheerful hub for everyday living. On the main level, you’ll find a peaceful primary bedroom just steps from a full bath with a private entrance. Upstairs, two additional bedrooms (hardwood under carpet) share a hall bath, along with a versatile bonus room ideal for a second office, guest space, or creative studio. The unfinished basement provides laundry facilities and plenty of storage. Enjoy the outdoors from multiple inviting spaces. A new Trex deck wraps the side of the home with peaceful pond views, while a stone fire pit below adds cozy charm. On the other side, a brick patio is perfect for grilling and dining alfresco. The detached 1-bedroom cottage—with its own driveway and two entrances—offers great flexibility and privacy, whether used for loved ones or additional income. Set off the road, this home is framed by mature trees, natural stone outcroppings, and dense foliage that offers privacy and calm. Just beyond the treeline sits a quiet Con Edison facility, a stable neighbor contributing to New York’s clean energy future. With energy-conscious updates, abundant natural light, and space to live simply and beautifully, this home is a smart choice for those seeking comfort and sustainability. School bus stops at end of driveway. Convenient to schools, Millwood shops, Route 100 and the Taconic Parkway for an easy commute. Updates: Main House Roof (2008), New Windows (1999), New Septic System House/Cottage (2019), Solar Panels- rented (2019), Efficient Bradford White Aero Therm Water Heater (2023), Municipal Water Connected (2021), Daikin Heat Pump Units Added (2023), Cottage Roof (2020), Cottage Navien Propane Hot Water Heater (2018)

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: In Basement
  • Style: Exp Cape
  • Year Built: 1940
  • Heating: Heat Pump, See Remarks
  • Cooling: Ductless
  • Basement: Unfinished
  • Approx Sq. Feet: 2,318
  • Acreage: 0.53
  • Est. Taxes: $17,264
  • Lot Desc: Back Yard, Front Yard, Landscaped, Near School, Near Shops, Stone/Brick Wall
  • Elem. School: Westorchard
  • Middle School: Seven Bridges Middle School
  • High School: Horace Greeley High School
  • School District: Chappaqua
  • Appliances: Dryer, Electric Cooktop, Electric Oven, Refrigerator, Washer
  • MLS#: 857523
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/857523/90shinglehouseroad_millwood_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.Listing courtesy of Compass Greater NY, LLC   Phone: 914-238-0676

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Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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90 Shingle House Road, Millwood, NY, 10546

$849,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $679,200 $679,200 $679,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.625% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.614% 6.727% 6.183%
Monthly Tax Payment $1,439 $1,439 $1,439
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,856 $4,349 $5,731
Total Monthly Payment $5,387 $5,880 $7,262

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.