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109 Sunset Drive, Broadalbin, NY, 12025

4beds
3baths
2,450sqft
$1,299,900
$531price/sqft
$9,267/moest. monthly cost
$370,680/yrincome needed

About This Home

Experience exceptional lakefront living with 50' of direct waterfront on the Great Sacandaga Lake. Ideal for boating, enjoying stunning sunset views and everything lake life has to offer. This thoughtfully designed open-concept home showcases expansive lake views, featuring a spacious living room with a gas fireplace, hardwood floors, and a well-appointed kitchen with island, stainless steel appliances, and seamless flow into the dining area. An elevator or stairs provides convenient access to the second level, where a large family room offers a gas fireplace, pool table, and wet bar which is perfect for entertaining. The home includes 4 bedrooms, highlighted by a primary suite overlooking the lake with a tiled bath and walk-in shower, plus additional loft sleeping space for guests. 30 mins to Saratoga, mins to shopping and local amenities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Double Oven,Microwave,Range Hood,Refrigerator,Washer/Dryer,Wine Cooler
  • Laundry features: In Bathroom,Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Sump Pump,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Family Room

  • Level: Second

Features

  • Ceiling Fan(s),Solid Surface Counters,Ceramic Tile Bath,Elevator,Eat-in Kitchen,Kitchen Island
  • Flooring: Wood,Carpet,Ceramic Tile
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,450

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Propane,Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,450
  • Total interior livable area: 2,450 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Third

Mud Room

  • Level: First

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 172289 121.15210
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Composite Deck,Deck,Patio
  • Exterior features: Lighting,Dock
  • Has view: Yes
  • View description: Mountain(s),Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Permit Required
  • Waterbody name: Great Sacandaga Lake

Lot

  • Lot size: 0.30 Acres
  • Features: Level,Mountain(s),Views,Cleared,Landscaped,Waterfront

Parking

  • Total spaces: 4
  • Parking features: Off Street,Paved,Attached,Driveway,Garage Door Opener,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather

FEMA Declared Disasters in Fulton County and New York

Flood
Severe 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 $6,573$78,876
Home Insurance *$536$6,432
Property Taxes $1,754$21,048
Electricity $404$4,858
Total$9,267$111,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$317,725/yr
40% on housing$278,010/yr
45% on housing$247,120/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$531This listing

vs Other Active Listings

Avg $/sqft

ZIP 12025$146
Fulton County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 12025$198
Fulton County$164

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
2026-04-02Listed for sale$1,299,900
2022-01-13Sold$770,000
2021-11-05Pending sale$799,500
2021-11-01Contingent$799,500
2021-10-02Price change$799,500
2021-09-22Price change$849,500
2021-09-16Listed for sale$899,500
2020-09-11Sold$5,000
2004-12-07Sold$295,000

For Sale by Agent

AgentChristine A Gerber
BrokerageHoward Hanna Capital Inc

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