262 Lake Road, Berne, NY, 12023
About This Home
Charming Onderdonk Lake Retreat - Perfect Summer Home or High-Potential Airbnb! Picture yourself relaxing on your private front porch, taking in the sweet fragrance of blooming lilacs and the crisp lake breeze. Whether you are searching for the ultimate summer getaway, a turnkey year-round residence, or a lucrative short-term rental opportunity, this Onderdonk Lake gem delivers on every level. Situated just around the corner from the water, this home offers the quintessential lakeside lifestyle. Spend your mornings kayaking, walking or strolling to the nearby public lake and beach access. Ideal Layout for Guests: The bright, open-concept kitchen and living area is perfect for entertaining. The home features two comfortable bedrooms, two full bathrooms, and a versatile upstairs bonus room--ideal for an extra guest space, game room, or home office to maximize rental income. Recent Mechanical Updates: Enjoy peace of mind with significant recent upgrades, including a brand-new furnace (October 2025), a cozy pellet stove with a 150 lb hopper (August 2023), and a hot water heater (2022). Propane heat ensures year-round comfort. Prime Location: Steps from local favorite dining spots like Maple on the Lake and the Shel Inn. Surrounded by stunning state parks and land preserves, guests and owners alike will love the endless hiking and biking trails. Don't miss out on this versatile lakeside property with incredible income potential or personal enjoyment value! Financing Note: Sellers will entertain cash and conventional financing only.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1931
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Oven,Water Softener
Basement
- Has basement: Yes
- Basement: Exterior Entry
Bedroom
- Level: First
Bedroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Tile,Carpet,Linoleum
- Fireplace features: Pellet Stove
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 966
Heating & Cooling
- Heating features: Forced Air,Propane Tank Owned
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 966
- Total interior livable area: 966 sqft
Kitchen
- Level: First
Living Room
- Level: First
Other
- Level: Second
Property
Details
- Parcel number: 013800 115.3111
- Special condition: Standard
Features
- Exterior features: None
- Waterbody name: Onderdonk Lake
Lot
- Lot size: 3,920 sqft
Parking
- Total spaces: 1
- Parking features: Heated Garage
- Has garage: Yes
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
- Lightning
- Tornado
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 | $884 | $10,608 |
| Home Insurance * | $67 | $804 |
| Property Taxes | $247 | $2,964 |
| Electricity | $246 | $2,954 |
| Total | $1,444 | $17,328 |
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 |
|---|---|---|
| 2026-07-10 | Listed for sale | $175,000 |
| 2026-06-12 | Pending sale | $175,000 |
| 2026-05-28 | Listed for sale | $175,000 |
| 2022-03-23 | Sold | $157,900 |
| 2022-03-03 | Pending sale | $157,900 |
| 2021-12-19 | Listed for sale | $157,900 |
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