Welcome to The Retreat at Carmel, one of Putnam County's premier 55+ active adult communities. This highly sought-after end-unit townhome was built just 10 years ago and has been lovingly maintained by its original owner, offering the perfect blend of elegance, comfort, and low-maintenance living. Step through the front door into a dramatic two-story foyer that immediately makes a lasting impression. A sweeping staircase with rich wood treads and white balusters serves as the centerpiece, while soaring ceilings, gleaming hardwood floors, custom wainscoting, crown molding, decorative columns, and abundant natural light create an elegant welcome. The beautifully appointed eat-in kitchen features granite countertops, stainless steel appliances, a gas range, abundant cabinetry, and generous counter space. The formal dining room is beautifully defined by decorative columns, a tray ceiling, custom picture-frame molding, and chair rail detailing. The living room features vaulted ceilings, recessed lighting, and oversized windows that fill the space with natural light. A gas fireplace with a granite surround and custom floor-to-ceiling millwork creates a stunning focal point, while sliding glass doors lead to the private patio, complete with a retractable awning. The main-level primary suite provides the convenience of one-level living and features a walk-in closet and a spacious ensuite bath with double vanities and a beautifully tiled shower. Also on the main level is a powder room, laundry, and a versatile bonus room ideal for a home office, den, or hobby room. The private second level offers a spacious loft providing flexible space for a home office, fitness area, or reading nook, along with a generously sized second bedroom and a full bath, creating the perfect retreat for family and guests. Enjoy the many amenities The Retreat at Carmel has to offer, including a clubhouse, fitness center, outdoor pool, tennis and pickleball courts, bocce, and a full calendar of community events. Located just minutes from shopping, restaurants, Putnam Hospital, the Putnam Trailway, Metro-North, Interstate 84, Interstate 684, this exceptional home offers the perfect combination of luxury, convenience, and active adult living.