280 Gulf Rd, Middleburgh, NY, 12122
About This Home
Rare opportunity featuring two homes on one parcel on Crystal Lake, Middleburgh, NY! Perfect for multigenerational living, a family compound, investment property, or short-term rental opportunity. The main home at 280 Gulf Road offers approximately 1,440 square feet of living space with 4 bedrooms, including 2 first-floor bedrooms and 2 second-floor bedrooms, providing flexibility for family, guests, and year-round living. The second home, approximately 840 square feet, presents exciting possibilities as a guest house, in-law residence, vacation rental, Airbnb, or private retreat. Live comfortably in one home while generating supplemental income from the other (subject to local regulations), or create the ultimate family getaway where everyone has their own space. Enjoy access to Crystal Lake, a peaceful non-motorized lake known for its natural beauty and outdoor recreation. Launch a canoe or kayak from the dock area, just steps away, and spend the afternoon fishing, or simply relax and enjoy the tranquil surroundings. Anglers will appreciate the variety of fish species found in the lake, making this a desirable destination for fishing enthusiasts. Whether you're searching for a lake-area retreat, vacation home, income-producing property, weekend getaway, or a unique opportunity for generational living, this versatile property offers exceptional flexibility. Surrounded by nature and four-season recreation, it's an ideal setting for those seeking the perfect blend of privacy, recreation, investment potential, and the relaxed lifestyle that Crystal Lake living provides.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Asphalt,Metal
- Construction materials: Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Microwave,Oven
Basement
- Has basement: Yes
- Basement: Partial,Bilco Doors,Garage,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 2
- Full bathrooms: 2
Features
- Door features: Bilco Doors
- Flooring: Hardwood,Carpet,Tile,Vinyl
- Finished area above ground: 1,440
Heating
- Heating features: Propane,Baseboard,Other
Interior Area
- Total structure area: 1,440
- Total interior livable area: 1,440 sqft
Kitchen
- Features: Eat-in Kitchen
Property
Details
- Parcel number: 135.6131
- Lease amount: 0
Features
- Stories: 2
- Patio & porch: Deck
- Has view: Yes
- View description: Water,Wooded
- Has water view: Yes
- Water view: Water
- Waterbody name: Crystal Lake
- Frontage length: 0
Lot
- Lot size: 0.67 Acres
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in Albany 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 | $1,410 | $16,920 |
| Home Insurance * | $144 | $1,728 |
| Property Taxes | $395 | $4,740 |
| Electricity | $246 | $2,954 |
| Total | $2,195 | $26,340 |
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 |
|---|---|---|
| 2026-06-16 | Listed for sale | $279,000 |
| 2017-07-08 | Listing removed | $169,900 |
| 2017-04-11 | Price change | $169,900 |
| 2017-03-23 | Price change | $194,900 |
| 2016-03-31 | Price change | $204,900 |
| 2015-07-22 | Price change | $219,900 |
| 2015-05-08 | Price change | $229,000 |
| 2014-06-21 | Listed for sale | $244,000 |
| 2014-05-02 | Listing removed | $249,900 |
| 2013-05-02 | Listed for sale | $249,900 |
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