Sylvia Woods

61 Top Ridge Trail

White Lake, NY
$ 3,475,000 Beds 5 Baths 5.5 Sq 5,735
Monthly Estimate* How much can I afford?

A mere two hours from New York City, The Top Ridge Retreat offers a rare combination of modern elegance, natural beauty, and complete privacy within the exclusive 2,500-acre gated community of The Chapin Estate. Set on more than eleven acres, this contemporary residence delivers a refined lifestyle designed for comfort, sophistication, and seamless indoor-outdoor living. Inside, the layout balances openness with intimacy. The home is offered fully furnished, with carefully curated furniture and artwork included to complement its contemporary design and elevate the overall living experience. The primary suite includes a private sitting area, fireplace, and spa-like bath, creating a true sanctuary. Additional bedrooms are spacious and well-appointed for guests. A sunken living room and library—each with a fireplace—add warmth and architectural interest, while a dedicated gym, massage room, and wellness area enhance the home’s retreat-like atmosphere. Every element of the home has been thoughtfully crafted. With 205 oversized windows, natural light fills each space and creates a continuous connection to the surrounding forest. The expansive chef’s kitchen and dining room overlook the saltwater Gunite pool, pool house, and a fully equipped indoor/outdoor kitchen featuring a fireplace, pizza oven, and dining gazebo—an ideal setting for effortless entertaining. A short stroll from the pool leads to a world-class tennis court with its own cabana, offering resort-level recreation right at home. The residence is built with uncompromising attention to quality. Features include a 12-zone radiant and solar heating system, a 12-ton central air conditioning system, custom cabinetry, and bespoke tile work throughout. From the solid wood doors to the precision-crafted finishes, every detail reflects a commitment to excellence. Life within The Chapin Estate offers unmatched access to nature and amenities. The community spans more than 2,500 acres of pristine forest and borders an additional 14,000 acres of protected conservation land. Residents enjoy miles of hiking, biking, and snowshoe trails; freshwater reservoirs and trout streams; concierge services; security patrols; and a members-only Lake Club. From within the community, owners have direct access to both Toronto Reservoir and Swinging Bridge Reservoir, ideal for boating, kayaking, fishing, and quiet days on the water. Just one mile away, the Chatwal Lodge provides elevated dining and hospitality. Located in the hamlet of White Lake, part of historic Bethel—home of the 1969 Woodstock concert—this region is rich with culture and recreation. The Bethel Woods Center for the Arts offers world-class performances and a renowned museum. Nearby, the Monticello Motor Club provides a premier private automotive experience. Farm-to-table dining, boutique cafés, craft breweries, lake activities, skiing, and endless outdoor adventures complete the lifestyle. A true escape from city life, The Top Ridge Retreat delivers privacy, beauty, and resort-style amenities in one of Sullivan County’s most coveted luxury communities. This is contemporary living at its finest—without the stress of the Long Island Expressway.

Single Family

  • Price
  • $ 3,475,000
  • City
  • White Lake
  • Bedrooms
  • 5
  • Full Bathrooms
  • 5
  • County
  • SULLIVAN
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 11.11 Acres
  • Zip
  • 12786
  • Sqr Footage
  • 5,735
  • Year Built
  • 2008
  • Taxes
  • $ 24417
  • Style
  • Contemporary
  • MLS#
  • 967444
Listed By: Chapin Sotheby's Intl Rlty
Data Source: Listings courtesy of OneKey® MLS as distributed by MLS GRID

Features

General

Sewer Septic Tank
Heating Oil,Radiant Floor
Cooling Central Air
Utilities Cable Connected,Electricity Connected,Phone Connected,Propane,Trash Collection Private,Underground Utilities,Water Connected
Appliances Cooktop,Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Oil Water Heater
HOA Fee 4000
Garage Spaces 2
Association Fee Includes Common Area Maintenance
Patio/Porch Features Patio
Architectural Style Contemporary
Pool Features In Ground,Outdoor Pool,Salt Water
Security Features Gated Community,Security System
Construction Materials Stucco
Year Built 2008
View Trees/Woods
Property Subtype Single Family Residence
Tax Year 2025
Parcel Number 2000-055-E-0002-043-000
Community Features Clubhouse,Fitness Center,Gated,Playground,Pool,Powered Boats Allowed,Tennis Court(s)
Assoc Fee Paid Per Annually
County Sullivan County
Property Type Residential
Association Amenities Basketball Court,Boat Dock,Clubhouse,Fitness Center,Pool,Powered Boats Allowed,Recreation Facilities,Security,Tennis Court(s)
HOA Yes
Subdivision Name The Chapin Estate
Facing Direction West
Garage Y/N Yes
Other Structures Cabana,Outdoor Kitchen,Pool House
Total Rooms 14
Full Baths 5
Directions Take 17B to 55W. Gatehouse is located 1.5 miles on Left.
High School Monticello High School
City Bethel
Disclosures Seller Property Disclosure
Association Name Chapin Estate Homeowner's Association
Senior Community Y/N No
High School District Monticello
Carport Y/N No
Elementary School George L Cooke School
Property Attached Y/N No
Tax Annual Amount 24417.24
Middle/Junior High School Robert J Kaiser Middle School
Property Condition Actual
Additional Parcels Y/N No
Building Area Units Square Feet
Standard Status Active
Middle/Junior School District Monticello
Elementary School District Monticello
Tax Assessed Value 470000
PostalCity White Lake
Assoc/CIC Planned Development
AttributionContact 845-583-4900
Balcony Y/N Yes
Listing Appliances Cooktop, Dishwasher, Dryer, Microwave, Oven, Range, Refrigerator, Washer, Oil Water Heater

Interior Features

Interior Amenities First Floor Bedroom,First Floor Full Bath,Built-in Features,Cathedral Ceiling(s),Chefs Kitchen,Double Vanity,Eat-in Kitchen,High Speed Internet,Kitchen Island,Natural Woodwork,Open Floorplan,Open Kit
Basement Finished,Full,Walk-Out Access
Total Fireplaces 3
Basement Features Finished, Full, Walk-Out Access
Basement (Y/N) Yes
Fireplace Y/N Yes
Half Baths 1
Total Bedrooms 5
Eat-in Kitchen Yes
Total Baths 6
General Features First Floor Bedroom,First Floor Full Bath,Built-in Features,Cathedral Ceiling(s),Chefs Kitchen,Double Vanity,Eat-in Kitchen,High Speed Internet,Kitchen Island,Natural Woodwork,Open Floorplan
Walk-In Closet Yes

Exterior Features

Exterior Amenities Balcony,Gas Grill,Lighting,Tennis Court(s)
Parking Features Driveway
Water Source Well
Inclusions Furniture and Artwork
Parking Features Driveway
Foundation Details Concrete Perimeter
Building Area Total 9100
Waterfront Y/N No
Road Frontage Type Private Road
Other Equipment Generator
Road Responsibility Private Maintained Road
Horse Y/N No
General Features Ext. Balcony,Gas Grill,Lighting,Tennis Court(s)

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Mount Vernon, NY office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School George L Cooke School Elementary School
Middle School Robert J Kaiser Middle School
High School Monticello High School

Price History

3/5/2026 Listed $3,675,000
6/20/2026 6% - $3,475,000

Property vs Zip Code Average in 12786

Price
AVG $1.29M
$3.48M
Taxes
AVG $15,918
$24,417
Year Built
AVG 1989
2008
Visits
AVG 44
214
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

61 Top Ridge Trail White Lake, NY is a Single Family Home for sale at $3475000 with 5735 sqft and a lot size of 11.11 Acres Acre(s). 61 Top Ridge Trail White Lake has 5 bedrooms, 5 baths and was built in 2008. The property's zip code is 12786 which is in White Lake, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Sylvia Woods

Sylvia Woods

Broker/Owner

914-523-5624

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