# 10 Towners Road #8, Carmel, NY 10512 > **TL;DR:** multi-family, $599,900, built 1940. > Waterfront, A/C, 2-car garage. Est. $3,208/mo. Listed 180 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $599,900 | | Year Built | 1940 | | Lot Size | 23,522 sqft (0.54 acres) | | Garage | 2-car | | Property Type | Multi-Family (Triplex) | | Status | Active | | Days on Market | 180 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,033 | | Estimated Insurance | $175 | | **Total** | **$3,208** | ## Nearby Schools - **Elementary:** Matthew Paterson Elementary School - **Middle:** George Fischer Middle School - **High:** Carmel High School ## Key Amenities - Waterfront - A/C - 2-car garage ## Property Highlights - Built in 1940 - 0.54 acre lot - Waterfront ## Description ### Agent Description WATERFRONT MIXED-USE INVESTMENT and/or Live Work OPPORTUNITY! Discover the unique potential of 8 & 10 Towners Road in Carmel, NY, featuring THREE LEGAL UNITS-TWO RESIDENTIAL UNITS AND ONE COMMERCIAL UNIT-situated directly on the shores of Lake Carmel with beautiful water views and direct lake access. #8 Towners Road features a COMMERCIAL OFFICE/RETAIL SPACE with multiple rooms, a GARAGE BELOW, and an additional FRAMED-OUT ROOM offering flexible possibilities for expansion, storage, or additional workspace. #10 Towners Road includes a TWO-BEDROOM APARTMENT, a separate GARAGE, and an additional ONE-BEDROOM APARTMENT. The lower level also features a SEPARATE ENTRANCE and was previously used as an apartment, offering additional potential. ALL UNITS ARE SEPARATELY METERED, INCLUDING THE BASEMENT, with electric heat throughout. This versatile property offers opportunities for an OWNER-USER, INVESTOR, RENTAL INCOME, or LIVE/WORK ARRANGEMENT. Enjoy the benefits of Lake Carmel living, including FIVE WELL-MAINTAINED BEACHES, a playground, walking path around the lake, and clubhouse. Convenient COMMUTER LOCATION with easy access to major roads and close to golf and local amenities. A truly distinctive WATERFRONT PROPERTY combining COMMERCIAL, RESIDENTIAL, AND RECREATIONAL OPPORTUNITIES in one location. ## Location - **Address:** 10 Towners Road #8, Carmel, NY 10512 - **County:** Putnam County - **Coordinates:** 41.4501, -73.671303 - **Google Maps:** https://www.google.com/maps?q=41.4501,-73.671303 ## Listing Agent - **Name:** Angela J. Briante - **Brokerage:** Briante Realty Group, LLC - **Broker Phone:** (914) 806-1950 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/10-Towners-Rd-8_Carmel_NY_10512_M93146-18267?f=listhub&s=MLSLINY&m=980288&c=propsimple) ## Photos ![10 Towners Road #8 - Photo 1](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f626248235r.jpg) ![10 Towners Road #8 - Photo 2](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3752405667r.jpg) ![10 Towners Road #8 - Photo 3](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f626248235r.jpg) ![10 Towners Road #8 - Photo 4](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3121690249r.jpg) ![10 Towners Road #8 - Photo 5](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f888628523r.jpg) ![10 Towners Road #8 - Photo 6](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f622226581r.jpg) ![10 Towners Road #8 - Photo 7](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3306750306r.jpg) ![10 Towners Road #8 - Photo 8](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1323439300r.jpg) ![10 Towners Road #8 - Photo 9](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1959271325r.jpg) ![10 Towners Road #8 - Photo 10](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2393142036r.jpg) ![10 Towners Road #8 - Photo 11](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2242712324r.jpg) ![10 Towners Road #8 - Photo 12](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2322785973r.jpg) ![10 Towners Road #8 - Photo 13](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1026544450r.jpg) ![10 Towners Road #8 - Photo 14](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1718766548r.jpg) ![10 Towners Road #8 - Photo 15](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3680941422r.jpg) ![10 Towners Road #8 - Photo 16](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3029105889r.jpg) ![10 Towners Road #8 - Photo 17](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2021652453r.jpg) ![10 Towners Road #8 - Photo 18](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f271445646r.jpg) ![10 Towners Road #8 - Photo 19](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f206901093r.jpg) ![10 Towners Road #8 - Photo 20](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3443442230r.jpg) ![10 Towners Road #8 - Photo 21](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3262770455r.jpg) ![10 Towners Road #8 - Photo 22](http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3121690249r.jpg) --- **MLS#:** 980288 | **Updated:** 2026-10-24 **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://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851#listing", "url": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851", "name": "10 Towners Road #8, Carmel, NY 10512", "description": "WATERFRONT MIXED-USE INVESTMENT and/or Live Work OPPORTUNITY! Discover the unique potential of 8 & 10 Towners Road in Carmel, NY, featuring THREE LEGAL UNITS-TWO RESIDENTIAL UNITS AND ONE COMMERCIAL UNIT-situated directly on the shores of Lake Carmel with beautiful water views and direct lake access. #8 Towners Road features a COMMERCIAL OFFICE/RETAIL SPACE with multiple rooms, a GARAGE BELOW, and an additional FRAMED-OUT ROOM offering flexible possibilities for expansion, storage, or additional workspace. #10 Towners Road includes a TWO-BEDROOM APARTMENT, a separate GARAGE, and an additional ONE-BEDROOM APARTMENT. The lower level also features a SEPARATE ENTRANCE and was previously used as an apartment, offering additional potential. ALL UNITS ARE SEPARATELY METERED, INCLUDING THE BASEMENT, with electric heat throughout. This versatile property offers opportunities for an OWNER-USER, INVESTOR, RENTAL INCOME, or LIVE/WORK ARRANGEMENT. Enjoy the benefits of Lake Carmel living, including FIVE WELL-MAINTAINED BEACHES, a playground, walking path around the lake, and clubhouse. Convenient COMMUTER LOCATION with easy access to major roads and close to golf and local amenities. A truly distinctive WATERFRONT PROPERTY combining COMMERCIAL, RESIDENTIAL, AND RECREATIONAL OPPORTUNITIES in one location.", "image": [ "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f626248235r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3752405667r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3121690249r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f888628523r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f622226581r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3306750306r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1323439300r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1959271325r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2393142036r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2242712324r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2322785973r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1026544450r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1718766548r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3680941422r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3029105889r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2021652453r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f271445646r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f206901093r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3443442230r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3262770455r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f626248235r.jpg", "caption": "10 Towners Road #8 - Carmel, NY" }, "datePosted": "2026-04-30", "dateModified": "2026-10-24T23:22:24.055Z", "mainEntity": { "@type": "Accommodation", "@id": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851#property", "name": "10 Towners Road #8, Carmel, NY 10512", "address": { "@type": "PostalAddress", "streetAddress": "10 Towners Road #8", "addressLocality": "Carmel", "addressRegion": "NY", "postalCode": "10512", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 41.4501, "longitude": -73.671303 }, "image": [ "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f626248235r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3752405667r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3121690249r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f888628523r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f622226581r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3306750306r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1323439300r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1959271325r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2393142036r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2242712324r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2322785973r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1026544450r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f1718766548r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3680941422r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3029105889r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f2021652453r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f271445646r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f206901093r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3443442230r.jpg", "http://lh.rdcpix.com/e69a9a9d096ddb31f5f49690ea0c65e9l-f3262770455r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "980288" }, "accommodationCategory": "Triplex", "yearBuilt": 1940, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Heating", "value": "Electric (Heating)" }, { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Wall/Window Unit(s), Window Unit(s)" }, { "@type": "LocationFeatureSpecification", "name": "Construction Materials", "value": "Frame" }, { "@type": "LocationFeatureSpecification", "name": "Parking Features", "value": "Driveway, Garage" }, { "@type": "LocationFeatureSpecification", "name": "Waterfront", "value": true }, { "@type": "LocationFeatureSpecification", "name": "Air Conditioning", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.54 acres" }, { "@type": "PropertyValue", "name": "Garage Spaces", "value": 2 }, { "@type": "PropertyValue", "name": "Unit Number", "value": "8" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Triplex" } ] }, "offers": { "@type": "Offer", "@id": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851#offer", "url": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851", "price": 599900, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851#agent" } }, "provider": { "@type": "Person", "@id": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851#agent", "name": "Angela J. Briante", "worksFor": { "@type": "Organization", "@id": "https://staging.propertysimple.ai/listing/10-towners-road-carmel-ny-10512-bbe73ab14810474fb3df40c854b2d851#brokerage", "name": "Briante Realty Group, LLC", "telephone": "(914) 806-1950" } } } ```