Hey, Tony, hate to see your post go unanswered, so here we go..
Most likely the bakery is just a seasonal operation...
probably closed cause it was approaching the end of the "bungalow colony" and summer camp season..
Most of the summer residents up there nowadays are the ultra Orthodox (and often Hasidic) Jewish folks coming from Brooklyn..
They stay in the bungalow colonies during the summer; often the men work their regular jobs in NYC during the week, and can only come up on weekends..
And now they are mostly all back in Brooklyn again for the winter..
and there is not enough business from the year round Monticello area folks to keep that bakery going..
(espescially with almost all the Jewish style resorts long closed)
Kutchers is still open, but I did a "walk through" in July...
and it LOOKS dead!!