Welcome to 1 Union Road, a beautifully maintained legal two-family hi-ranch set on a level .21 acre lot in the heart of Carmel, NY. Whether you're looking for a smart investment, multi-generational living, or the benefit of rental income to offset your mortgage, this versatile property checks every box. The main level offers three spacious bedrooms and two full baths, highlighted by cathedral ceilings in the kitchen that flood the space with natural light and an open, airy feel. Thoughtfully maintained throughout, the upper level is move in ready and full of warmth and character. Step out to the back deck and enjoy the fully level yard, a rare find and perfect for outdoor entertaining, summer gatherings, or simply unwinding at the end of the day. The lower level features a fully equipped legal apartment with its own kitchen and a private walk out directly to the backyard, offering comfort and independence for extended family or a tenant. With a roof approximately 10 years old and the home's overall meticulous upkeep, there is nothing to do but move in and enjoy. Location adds even more appeal. Situated in the highly regarded Carmel Central School District. Outdoor recreation abounds with nearby Lake Gleneida, Lake Mahopac, Sycamore Town Park, and Centennial Golf Club just minutes away. Commuters will love the easy access to I-84 and Metro-North's Hudson Line, putting White Plains and New York City well within reach. Shopping, dining, and everyday conveniences are all close at hand. A rare opportunity to own a turn key, income producing property in one of Putnam County's most desirable communities. Don't miss it. ** Whole house portable generator included and there are hardwood floors under all carpets upstairs**