Eight-year-old Danny and his older sister Maeve meet their father Cyril’s new girlfriend Andrea for the first time. Andrea is detached and cold but fascinated by their home, the grand, three-story Dutch House—particularly its history and portraits of the original owners, the VanHoebeeks. As Cyril and Andrea continue to date, Cyril neglects to explain to his children that he intends to marry her. Maeve, who has helped raised Danny since their mother, Elna, left years earlier, is wary of Andrea, but their father remains emotionally closed off, especially after Maeve develops diabetes.
Cyril, a successful and well-liked real estate developer, hopes Danny will one day take over his business and regularly brings him along to collect rent. Two years into his relationship with Andrea, she introduces her daughters, Norma and Bright, to Danny and Maeve. Though Maeve resents being expected to babysit, she softens toward the girls, recognizing that, like her and Danny, they have also lost a parent. Andrea and Cyril marry while Maeve is away at Barnard, permanently shifting the household’s balance of power. Andrea’s growing authority even diminishes the warmth once brought into every room by Sandy and Jocelyn, the Dutch House’s longtime housekeeper and cook. When Andrea insists on moving Maeve’s bedroom to the attic to give her old room to Norma, Cyril hesitates but ultimately gives in. Though hurt, Maeve has no choice but to accept the change. Danny watches helplessly as tensions mount.
On a trip to visit Maeve in New York, Cyril unexpectedly takes Danny to see the Brooklyn apartment where Elna once lived. The visit is deeply meaningful to Danny, but when he asks—for the first time—why his mother left, his father dismisses her as “crazy.” Danny shares all of this with Maeve, who insists that their mother hated the Dutch House and wanted to give it away. A decade later, Danny and Maeve return to sit outside of their old house, smoking and reminiscing about the past, but their perspectives on Andrea remain largely unchanged—Danny occasionally tries to find redeeming qualities in her, while Maeve refuses to let go of old grudges.
Soon after Andrea relocates Maeve’s bedroom, Maeve moves into her own apartment and begins working as an accountant for Otterson’s Frozen Vegetables. Danny, now 15, spends more time at his father’s construction sites, developing a love for real estate. But his world is upended when Cyril dies suddenly from a heart attack. Andrea, the last to learn of her husband’s death, assumes Danny and Maeve deliberately kept the news from her, fueling a cycle of lifelong resentment. She refuses to let Maeve run the family business and demands she and Danny leave the Dutch House for good. She also fires Sandy and Jocelyn, forcing all four of them out at once.
Maeve learns that their father left no will, and Andrea has inherited everything—except for an educational trust fund intended for Danny, Norma, and Bright. Determined to use as much of it as possible before Andrea’s daughters can, Maeve pushes Danny to enroll at boarding school and, later, medical school. Danny resents her controlling his future, but she ignores his objections. Years later, while a pre-med student at Columbia, Danny meets Celeste Norcross on a train home for Thanksgiving, and they begin dating. Though Maeve and Celeste initially bond, their relationship later sours, leaving Danny caught between his partner and his sister.
Danny’s academic performance falters as he shifts focus to property investments, but his chemistry professor, Dr. Able, takes him under his wing, believing he’s a natural fit for medical school. As Danny enters Columbia’s medical program, he proves himself to be a strong student but remains emotionally detached from medicine, treating it merely as a means to an end. Uninterested in marriage, Danny breaks up with Celeste after she repeatedly presses him on the subject. During his medical residency, Danny buys and sells properties in his free time, eventually acquiring his first apartment building. He also rekindles his relationship with Celeste, finally revealing his intention to pursue real estate and construction. Though she accepts his decision, she’s confused by his choice to leave medicine after so many years of training.
When Danny is 29, Maeve is suddenly hospitalized for an infection in her arm. Celeste drives him to the hospital but avoids visiting Maeve, as their relationship has gradually deteriorated. Maeve insists she’s fine, excitedly sharing that she has reconnected with Fluffy, her and Danny’s old nanny. She arranges for Danny to meet Fluffy for coffee, despite his reluctance. Later, when they finally reunite, Fluffy reveals shocking news: Danny and Maeve’s mother is alive and has been living in New York, working among the poor. She’s been gone so long that Danny and Maeve had assumed she was dead. Danny recalls a fleeting emergency room encounter during his residency with a woman who called him “Cyril” and realizes it must have been his mother. That night, he asks Celeste to marry him, and she accepts.
After marrying, Danny and Celeste have two children, May and Kevin, and Danny hires Fluffy as their nanny. Fluffy becomes close with Celeste and shares stories about her time in the Dutch House. When Danny asks her how Cyril acquired the house to begin with, Fluffy explains that during the war, he invested in land that later became valuable military property, allowing him to build his fortune in real estate—a fact he had kept hidden from Elna. Eventually, Danny’s own real estate business flourishes, and he starts a management company with Maeve handling the finances. Celeste resents Maeve’s involvement and Danny’s career shift from medicine, but Danny is content with his life. He tries encouraging Maeve to return to school, but she prefers her job at Otterson’s, where she is the CFO. On one of their ritualistic visits to sit outside the Dutch House, Maeve tells Danny that Elna once wanted to be a nun. Later, when Danny shares this story with Celeste, she criticizes Maeve’s obsession with their family’s past.
When May is cast in The Nutcracker at age 11, Maeve attends the performance but suffers a severe diabetic episode afterward. Danny tries to convince her to go out to dinner with the rest of the family after she recovers, but she insists that she wants only to go home. The next morning, Danny and Maeve visit the Dutch House. As they sit parked across the street, they see Andrea emerge, grab the paper, and look up at the sky. Maeve declares she’s finished with these visits, and Danny realizes how much of their lives they’ve spent dwelling on the past.
Maeve is 52 when she suffers a heart attack, prompting Danny to rush to her side. To his shock, Elna appears at the hospital, having been contacted by Fluffy. While Maeve welcomes her mother with surprisingly open arms, Danny remains unable to forgive his mother for her abandonment, which once caused Maeve so much pain. When he confronts her about her choices, Elna explains she left because she felt trapped in the Dutch House, though she insists she always loved her family. After Maeve’s heart attack, Elna eventually moves in with Maeve. Danny, though still resentful of his mother, visits frequently to check on his sister. Maeve eventually urges him to let go of his anger, and for her sake, he tries.
A year later, Elna spontaneously drives Danny and Maeve to the Dutch House, which they are able to enter for the first time since they left. Inside, they find an elderly Andrea suffering from Alzheimer’s. Norma, now a doctor, lives in the house and cares for her mother but explains that Bright and Andrea are estranged. She also explains that Andrea always loved the resident portrait of a 10-year-old Maeve, which she left hanging in the den for all of these years. Maeve takes the portrait home for May. After their visit, Elna informs Maeve that she has decided to help Norma care for Andrea, a choice she deems her penance for the sin of abandoning her children. Maeve is deeply upset, convinced her mother is abandoning her all over again, but Elna insists caring for others is her calling. Only two weeks later, Maeve suddenly passes away.
Danny’s grief is profound, and it strains his marriage—three years later, he and Celeste divorce, though they remain friendly. He slowly makes peace with Elna’s choices and visits the Dutch House more often, bringing his kids along. May, now a successful actress, buys the house after Andrea passes away, restoring Maeve’s portrait to its original place and the home to the Conroy bloodline. At one of the many parties May throws there, Danny briefly mistakes his daughter for Maeve, a fleeting but poignant reminder that the past is always embedded in the present.