Don't miss this opportunity to live in a desirable lake community with convenient access to major highways, Metro-North train station, schools and hospital. This charismatic home offers 3 bedrooms plus a bonus den/office and detached garage w/workshop. Relax on your front deck overlooking the fenced yard adorned with cherry, magnolia, maple, and peach trees. The main level features a welcoming sunroom/entryway, cozy living room w/pellet stove, two bedrooms, updated full bath, kitchen, dining area, laundry area, and pantry! The kitchen offers convenient access from the flat driveway-perfect for bringing in groceries-and features new butcher block countertops, new backsplash, and a walk-in pantry w/shelving and radiant floor heat. The updated bathroom features radiant floor heating for added comfort, while the main-level laundry area provides everyday convenience. Upstairs, you'll find a third bedroom with an adjoining bathroom featuring a commode, shower, and sink, along with a versatile space ideal for office, guest room, hobby room, storage - you decide!  New flooring extends throughout the kitchen, pantry, dining area, sunroom, and second level. Additional improvements include a newly blacktopped driveway, new rear steps and railing, newer roofs on both the home and garage, a newer above-ground oil tank, boiler, electrical panel, hot water heater, well pump, and septic lid. The refrigerator and dryer are approx. two years old, while the remaining appliances are approx. four years old. Additional features include a whole-house water filtration system, generator hookup, and security cameras equipped w/floodlights and motion/sound detection. As a resident, you'll enjoy access to the Lake Carmel community featuring 7 beaches, swimming, fishing, non-motorized boating, playgrounds, and basketball courts.  Great year-round home or weekend escape!