540 State Highway 10, Caroga Lake, NY, 12032
About This Home
Nestled in the heart of the southern Adirondacks, this rustic log home offers the perfect blend of charm, privacy, and outdoor recreation. Situated on a spacious wooded setting, this unique property features warm log-style interiors with soaring ceilings, exposed beams, and beautiful natural woodwork throughout. The inviting open-concept living area is highlighted by a cozy pellet stove with stone hearth, creating the ideal Adirondack atmosphere for year-round enjoyment. The home offers an updated kitchen with stainless steel appliances, rustic cabinetry, and ample space for entertaining family and friends. Multiple bright and airy rooms showcase the cabin's character, while large windows bring in natural light and scenic woodland views. Adding to its exceptional appeal, this property features over 100' of lake frontage on beautiful East Stoner Lake, offering the perfect setting for kayaking, fishing, swimming, or simply relaxing and enjoying the peaceful waterfront views. Outside, you'll find a large open storage building/garage perfect for boats, ATVs, snowmobiles, or workshop space, making this property ideal for outdoor enthusiasts. Located just minutes from Caroga Lake, golf courses, hiking trails, snowmobile trails, and all the recreational opportunities the Adirondacks have to offer, this property is perfect as a year-round residence, vacation getaway, or investment opportunity. With its desirable Adirondack setting, waterfront access, and recreational appeal, this property also offers excellent Airbnb potential.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1978
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Log
Type & Style
- Home type: SingleFamily
- Architectural style: Log
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dryer,Electric Water Heater,Gas Oven,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Heated
Bedroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- High Speed Internet,Ceiling Fan(s),Vaulted Ceiling(s),Eat-in Kitchen
- Window features: Insulated Windows
- Flooring: Laminate
- Number of fireplaces: 2
- Fireplace features: Basement,Living Room,Pellet Stove
- Fireplace: Yes
- Finished area below ground: 704
- Finished area above ground: 704
Full Bathroom
- Level: First
Heating & Cooling
- Heating features: Forced Air,Oil,Pellet Stove
- Cooling features: None
Interior Area
- Total structure area: 704
- Total interior livable area: 704 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Level: First
Property
Details
- Parcel number: 24.06229.005
- Special condition: Standard
Features
- Patio & porch: Rear Porch,Covered,Deck
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake/River Across Rd
- Waterbody name: Stoner Lakes
Lot
- Lot size: 0.41 Acres
- Features: Views
Parking
- Total spaces: 4
- Parking features: Under Residence,Driveway,Heated Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Fulton 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 | $1,663 | $19,956 |
| Home Insurance * | $152 | $1,824 |
| Property Taxes | $444 | $5,328 |
| Electricity | $246 | $2,954 |
| Total | $2,505 | $30,060 |
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 |
|---|---|---|
| 2026-05-06 | Listed for sale | $385,000 |
| 2025-01-02 | Sold | $307,000 |
| 2024-10-01 | Pending sale | $328,000 |
| 2024-09-08 | Price change | $328,000 |
| 2024-08-18 | Listed for sale | $340,000 |
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