Discover a rare waterfront investment opportunity at #8 & #10 Towners Road in Carmel, NY. Three legal units-2 residential and one commercial. # 8 Towners Road is currently a legal office and zoned COMMERCIAL / MIXED USE. On the lowest level in this building is a GARAGE as well as a vacant space that at one time was used as an apartment. The top floor is a spacious bright OFFICE with several rooms, below is a GARAGE and another framed out room. # 10 Towners Road is a TWO-bedroom apartment and another GARAGE PLUS another one-bedroom apartment PLUS a finished lower level with a separate entrance that was once used as an apartment. This MIXED-USE property offers the perfect blend of residential and commercial use, ideally situated on the shores of Lake Carmel and provides scenic views and a serene setting. The property features flexible space suitable for a variety of uses, whether you’re looking to operate a business, generate rental income, or create a unique live/work environment. With its prime location, high visibility, and direct waterfront access, this is an exceptional opportunity for investors, business owners, or developers seeking something truly special and unique. Also residents of Lake Carmel can enjoy 5 well-groomed beaches, a playground, walking path around the lake and a Clubhouse. Great commuter location. Close to Golf Course. ALL units separately metered including the Basement. Electric heat in all units.