40 County Route 46, Saranac Lake, NY, 12983
About This Home
Back Bay Camp offers an exceptional waterfront retreat on the scenic shores of Upper Saranac Lake, combining historic Adirondack charm with modern luxury. Nestled on 340 feet of pristine lakefront with a sandy bottom, this unique property presents a rare opportunity to own a beautifully restored 1920s camp, fully equipped with air conditioning, high-end finishes, and unobstructed views. The main residence features four fireplaces, a contemporary kitchen with premium appliances, six bedrooms, an ante or adjoining room, four full bathrooms, one half bathroom, a game room, and a cozy study, making it perfect for family living and entertaining. Complementing the main house is an iconic two-level Adirondack boat house, offering spectacular vistas, a private deck, a large stone fireplace, a kitchenette, a half bath, and space for watercraft storage, including slips for two boats and space for kayaks and more. For outdoor enthusiasts, Back Bay Camp, boast a clay tennis court, providing for play on a clay rather than on an asphalt surface, along with a recently renovated outdoor kitchen that overlooks the lake--ideal for summer gatherings and cookouts. The property's convenient location on well-maintained, year-round access roads (paved or black-top roads maintained by the state and, in front of the house, by the county) provides easy access in any season, just 7 miles from Saranac Lake Airport, connecting travelers seamlessly to Boston and New York City. In winter, enjoy cross-country skiing, ice skating at local civic centers, downhill skiing at Whiteface Mountain, and skating on historic rinks. The camp's proximity to golf courses, local attractions, and outdoor adventures makes it an ideal year-round retreat for nature lovers and outdoor sports enthusiasts alike.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1920
Materials
- Foundation: Stone
- Roof: Shingle,Synthetic
- Construction materials: Shingle Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Bar Fridge,Dishwasher,Gas Range,Refrigerator,Washer/Dryer Stacked,Wine Refrigerator
- Laundry features: In Bathroom
Basement
- Has basement: Yes
- Basement: Exterior Entry,Partial,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 4
- 1/2 bathrooms: 2
- Main level bathrooms: 3
- Main level bedrooms: 1
Features
- Ceiling Fan(s),Kitchen Island
- Flooring: Tile,Wood
- Number of fireplaces: 6
- Fireplace features: Bedroom,Dining Room,Living Room,Outside
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,147
Heating & Cooling
- Heating features: Electric,Forced Air,Oil
- Cooling features: Central Air
Interior Area
- Total structure area: 3,387
- Total interior livable area: 3,147 sqft
Property
Details
- Parcel number: 442.2515.100
- Zoning: Residential
- Other equipment: Generator
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio,Side Porch
- Exterior features: Boat Slip,Dock,Fire Pit,Lake Access Steps,Lighting,Outdoor Grill,Outdoor Kitchen,Playground,Storage,Tennis Court(s)
- Fencing: None
- Has view: Yes
- View description: Lake,Mountain(s)
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Waterfront
- Waterbody name: Upper Saranac Lake
- Frontage type: Lakefront
Lot
- Lot size: 1.77 Acres
- Features: Few Trees,Rectangular Lot,Waterfront
Parking
- Total spaces: 7
- Parking features: Garage,Open
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 5
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Franklin County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $19,594 | $235,128 |
| Home Insurance * | $3,869 | $46,428 |
| Property Taxes | $4,682 | $56,184 |
| Electricity | $520 | $6,240 |
| Total | $28,665 | $343,980 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-17 | Listed for sale | $3,875,000 |
| 2025-12-11 | Listing removed | $3,795,000 |
| 2025-10-07 | Price change | $3,795,000 |
| 2025-08-17 | Listed for sale | $3,875,000 |
| 2024-10-11 | Listing removed | $3,750,000 |
| 2024-09-26 | Listed for sale | $3,750,000 |
| 2023-12-01 | Listing removed | -- |
| 2023-09-20 | Listed for sale | $3,475,000 |
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