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Lovers Ln, Williamstown, NY, 13493

2beds
1baths
--sqft
$649,900
--price/sqft
$4,883/moest. monthly cost
$195,320/yrincome needed

About This Home

Set along the gentle waters of the West Branch of Fish Creek, Whisper-in Pines Campground blends comfort, nature, and investment versatility across 47.53A± acres of landscaped grounds, hardwood forest, and streamside serenity. This is where the hum of the woods meets opportunity — an ideal setting for recreation, retreat, or revenue.At the heart of the property sits a chalet-style cabin framed by stonework, perennial gardens, and a sprinkler-fed landscape. Inside, vaulted ceilings, an open layout, and bluestone floors invite light and warmth, while the loft overlooks the surrounding pines. Nearby, three fully equipped rental cabins feature private showers, propane heat, and electricity, creating an immediate path to income or guest lodging.A pavilion, laundry building with restroom, and five to six tent sites with power and water access enhance the campground experience. Two potential RV sites allow for further expansion, supported by a commercial-grade well and filtration system and dual 24KW propane generators providing reliable off-grid power.With direct access to the Snowmobile and ATV trail system and nearly 2,000 feet of creek frontage, the property is a natural hub for fishermen, hunters, riders, and families alike. Whether used as a working campground, private family compound, or event venue, the versatility and infrastructure are already in place.Five individual lots compose the acreage, offering the flexibility to develop, improve, or sell parcels separately. An active sand and gravel permit adds yet another layer of value and optional revenue potential.Whisper-in Pines Campground isn't just a destination — it's an experience that captures the spirit of Tug Hill living: peaceful, purposeful, and full of promise.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Vaulted Ceiling(s)

Property

Details

  • Parcel number: 35620015900010508

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
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather
Tsunami

FEMA Declared Disasters in Oswego County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $3,286$39,432
Home Insurance *$295$3,540
Property Taxes $1,056$12,672
Electricity $246$2,954
Total$4,883$58,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,417/yr
40% on housing$146,490/yr
45% on housing$130,213/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 13493$148
Oswego County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 13493$153
Oswego County$135

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

DateEventPrice
2025-11-26Listed for sale$649,900

For Sale by Agent

AgentTimothy Kent
BrokerageWhitetail Properties

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