Perhaps the best buy in the Chappaqua School District! This expanded Cape Cod ringed by mature trees has been well-maintained and updated as a multi-generation family hub for almost 60 years. Now it's ready to start that nurturing cycle again with a new family on nearly 2/3 of an acre with water views and lake access on Tara Lake, but no HOA fees or restrictions. The private beach area is open to a limited number of properties around the lake. The home's renovated kitchen has stone counters, an island, a full suite of appliances, and propane for cooking. There are two bedrooms (originally three) and a full, renovated bathroom on the first floor. Two more bedrooms, a full bath, and yet-to-be-finished space on the second floor wait for updates of your choice. Other improvements include: a young roof (approx. 10 years), approx. 700sf maintenance-free deck (2022), above-ground oil tank (2015), and upgraded electrical (2013); permits for all improvements are closed. Municipal water, an expanded septic system, an oil-fired furnace, and hot-water baseboard and steam heat support this comfortable home. The location on a "primary", county road means reliable plowing when snow falls. Chappaqua schools, local shopping and services, easy access to highways, public parks and recreation; and multiple MetroNorth options are the perfect suburban mix. All inclusive taxes for 2024 = $15,241; current STAR = $1,702 standard/$3,676 enhanced. Grab this rare opportunity to buy a move-in ready home in one of Westchester's top-rated school districts for an as-is price with lots of potential to add value.
Sold for $737,500
$737,500
403 Saw Mill River Road, Millwood, NY 10546
3beds
1,644sqft
Single Family Residence, Residential
Built in 1957
0.61 Acres Lot
$764,500 Zestimate®
$449/sqft
$5,335 Estimated rent
Home value
$764,500
$688,000 - $849,000
$5,335/mo
Zestimate® history
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$4,894/mo
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List your homeWhat's special
Zillow last checked: 7 hours ago
Listing updated: September 16, 2025 at 10:09am
Listed by:
Allison Jaffe 914-661-0340,
Key Real Estate Services, LLC 718-874-2877
Bought with:
Micki Valvano, 30VA0775886
Julia B Fee Sothebys Int. Rlty
Filomena DeTorres, 30DE0776083
Patricia Forgione's Realty
Source: OneKey® MLS as distributed by MLS GRID,MLS#: 848363
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Description: Combined two rooms; the original FIVE-bedroom layout can be restored.
- Level: First
Bedroom 2
- Description: Another first-floor bedroom, den, or home office
- Level: First
Bedroom 3
- Level: Second
Bedroom 4
- Level: Second
Bathroom 1
- Description: Modern bath with a large shower
- Level: First
Bathroom 2
- Level: Second
Bonus room
- Level: Basement
Dining room
- Description: With electric fireplace
- Level: First
Kitchen
- Description: Modern kitchen w/casual dining island
- Level: First
Laundry
- Level: Basement
Living room
- Level: First
Heating
- Baseboard
Cooling
- Wall/Window Unit(s)
Appliances
- Included: Dishwasher, Dryer, Freezer, Gas Range, Microwave, Refrigerator
- Laundry: Washer/Dryer Hookup, In Basement, Washer Hookup
Features
- First Floor Bedroom, First Floor Full Bath, Breakfast Bar, Granite Counters, His and Hers Closets, Kitchen Island, Master Downstairs, Storage, Walk Through Kitchen
- Flooring: Carpet, Hardwood
- Basement: Partial,Partially Finished,Walk-Out Access
- Attic: Unfinished
- Number of fireplaces: 1
- Fireplace features: Wood Burning
Interior area
- Total structure area: 1,644
- Total interior livable area: 1,644 sqft
Property
Parking
- Total spaces: 3
- Parking features: Attached, Garage
- Garage spaces: 1
- Carport spaces: 1
Features
- Levels: Three Or More
- Patio & porch: Deck, Porch, Screened
- Fencing: None
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Water Access
Lot
- Size: 0.61 Acres
- Features: Back Yard, Front Yard
Details
- Parcel number: 3600081013000010000018
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subtype: Single Family Residence, Residential
Materials
- Vinyl Siding
- Foundation: Block
Condition
- Actual
- Year built: 1957
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
- Utilities for property: Cable Connected, Electricity Connected, Propane, Trash Collection Public, Water Connected
Community & neighborhood
Location
- Region: Millwood
Other
Other facts
- Listing agreement: Exclusive Right To Sell
Price history
| Date | Event | Price |
|---|---|---|
| 9/15/2025 | Sold | $737,500-1.7%$449/sqft |
Source:  OneKey® MLS as distributed by MLS GRID #848363 Report a problem | ||
| 5/23/2025 | Pending sale | $749,900$456/sqft |
Source: OneKey® MLS as distributed by MLS GRID #848363 Report a problem | ||
| 4/18/2025 | Listed for sale | $749,900$456/sqft |
Source: OneKey® MLS as distributed by MLS GRID #848363 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | -- | $88,800 |
| 2023 | -- | $88,800 |
| 2022 | -- | $88,800 |
| 2021 | -- | $88,800 |
| 2020 | -- | $88,800 |
| 2019 | -- | $88,800 |
| 2018 | -- | $88,800 |
| 2017 | -- | $88,800 |
| 2016 | -- | $88,800 |
| 2015 | -- | $88,800 |
| 2014 | -- | $88,800 |
| 2013 | -- | $88,800 |
| 2012 | -- | $88,800 |
| 2011 | -- | $88,800 |
| 2010 | -- | $88,800 |
| 2009 | -- | $88,800 |
| 2008 | -- | $88,800 |
| 2007 | -- | $88,800 |
| 2006 | -- | $88,800 |
| 2005 | -- | $88,800 |
| 2004 | -- | $88,800 |
| 2003 | -- | $88,800 |
| 2002 | -- | $88,800 |
| 2001 | -- | $88,800 |
| 2000 | -- | $88,800 |
| 1999 | -- | $88,800 |
Find assessor info on the county website
Neighborhood: 10546
Nearby schools
GreatSchools rating
- 8/10Westorchard SchoolGrades: K-4Distance: 0.4 mi
- 8/10Seven Bridges Middle SchoolGrades: 5-8Distance: 1.4 mi
- 10/10Horace Greeley High SchoolGrades: 9-12Distance: 2.6 mi
Schools provided by the listing agent
- Elementary: Westorchard
- Middle: Seven Bridges Middle School
- High: Horace Greeley High School
Source: OneKey® MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
- New York
- Westchester County
- Millwood
- 10546
- 403 Saw Mill River Road