20 Oak Street, Piermont, NY, 10968 | $475,000

"STORYBOOK COTTAGE" - Welcome to 20 Oak Street, a charming, light-filled village retreat nestled in the heart of Piermont - one of the Hudson Valley's most enchanting Rivertowns. Just 30 minutes from NYC, this delightful home offers the perfect balance of serene escape and everyday convenience, where the rhythms of riverfront living and the hum of village life meet in effortless harmony. Originally built in 1820, this historic gem is steeped in character and timeless beauty. From the rocking chair front porch, to the two working fireplaces that grace the living room and primary suite, the home is a love letter to a bygone era - rich with original details that have been carefully preserved and thoughtfully updated for modern living. Wide-plank hardwood floors run throughout, and every corner whispers with the charm of the past. Set on a picturesque, garden-wrapped corner lot, the home radiates warmth and storybook charm. The front porch invites you to slow down, sip your morning coffee and watch the day unfold in this vibrant, walkable community. Step inside and be embraced by the cozy elegance of the living room, anchored by a gorgeous brick fireplace that instantly evokes comfort and connection. With just over 1, 000 square feet, the home lives larger than expected. The spacious eat-in kitchen is filled with natural light and charm, opening to a private laundry room and garden access. Two full bathrooms and two bedrooms provide flexible living arrangements, with the current layout offering an ideal in-law suite - perfect for guests, extended family or weekend escapes with friends. Upstairs, the entire top floor functions as a grand primary suite - a peaceful sanctuary with seating areas, a full bath and captivating views that stretch across the Hudson River to the striking silhouette of the Mario Cuomo Bridge and the rooftops of the charming village below. Another cozy fireplace adds warmth and romance to this sun-kissed retreat. Outside, stone paths wind through blooming gardens, creating moments of calm and color in every season. Practical amenities include a one-car garage and a deeded parking area for two additional cars just up the street. Piermont is a place like no other - a village where art galleries, waterside dining, wine bars and boutique shops are all just steps away. Wander the iconic Pier that stretches into the Hudson, explore nearby hiking and biking trails or spend your weekends kayaking, antiquing and enjoying live music under the stars. This is a lifestyle of connection - to nature, to community and to a slower, sweeter pace of life. Whether you're seeking a full-time residence, lucrative rental property or weekend escape, 20 Oak Street is a rare and romantic opportunity to own a piece of Piermont magic with low taxes of only $11K - where every day feels like a getaway.

Features

  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Style: Cottage
  • Year Built: 1820
  • Garage: 1-car
  • Heating: Hot Water, Steam
  • Cooling: Wall/Window Unit(s)
  • Basement: Finished, Full, Walk-Out Access
  • Approx Sq. Feet: 1,008
  • Acreage: 0.02
  • Est. Taxes: $11,048
  • Lot Desc: Corner Lot, Near Public Transit, Near Shops, See Remarks, Views
  • View: River, Water
  • Elem. School: William O Schaefer Elementary School
  • Middle School: South Orangetown Middle School
  • High School: Tappan Zee High School
  • School District: South Orangetown
  • Appliances: Dishwasher, Dryer, Oven, Refrigerator, Stainless Steel Appliance(s), Washer
  • MLS#: 854939
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/854939/20oakstreet_piermont_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 CORCORAN BAER & MCINTOSH   Phone: 845-358-9440

William Raveis Family of Services

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Customer Service

888.699.8876

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

20 Oak Street, Piermont, NY, 10968

$475,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $380,000 $380,000 $380,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.995% 7.050% 6.132%
Monthly Tax Payment $921 $921 $921
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,371 $2,496 $3,181
Total Monthly Payment $3,367 $3,492 $4,177

* 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.