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162 Terrace Drive, Prattsville, NY, 12468

2beds
2baths
1,540sqft
$350,000
$227price/sqft
$2,601/moest. monthly cost
$104,040/yrincome needed

About This Home

Tucked away on nearly five private wooded acres, this enchanting log chalet is the authentic Catskill Mountain retreat -- a place to unplug, recharge, and reconnect with nature. With a finished basement level, living area is a generous 1540 square feet, though tax record reflects 770sqft. Set along one of the area's most scenic Catskill Mountain roads and backing directly to protected state land, the property offers exceptional privacy and year-round access to hiking, skiing, and outdoor adventure right from your doorstep. Inside, the home blends rustic charm with everyday comfort. Featuring 2 bedrooms, a flexible office/den space, and 2 bathrooms -- one on each level -- the layout is warm, inviting, and highly functional. Rich wood detailing throughout enhances the classic chalet feel, while sliding glass doors open directly onto the balcony and deck, filling the home with natural light and forest views. The generous eat-in kitchen is designed for gathering, with porcelain countertop and extensive wooden cabinets providing ample space to cook and enjoy meals together after a day outdoors. A cast iron woodstove anchors the living space, creating the perfect cozy atmosphere for crisp mountain evenings, while a new stacked washer and dryer add modern convenience. Step outside and immerse yourself in the peaceful Catskills woodland surroundings. Sip your morning coffee on the deck, soak in the private hot tub beneath the trees, or unwind on the bluestone patio. Hummingbirds frequent the home in warmer months and wildlife sightings are common. A fenced-in area offers added flexibility for pets, play, or quiet outdoor enjoyment. Ideally located in the heart of the Catskill Mountains, the cabin is just minutes from the scenic Schoharie Creek- perfectly positioned for fishing, kayaking, swimming, and relaxing riverside afternoons. Enjoy easy access to local favorites like Westkill Brewing & The Prattsville Tavern. Outdoor enthusiasts will appreciate being close to premier ski destinations including Hunter Mountain and Windham Mountain Club, as well as trailheads, swimming spots and music venues. Whether you're looking for a full-time residence, a weekend escape, or a potential income-producing getaway, this special paradise captures the timeless magic of Catskills living with the perfect balance of charm, comfort, and seclusion.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame,Log Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer/Dryer Stacked,Stainless Steel Appliance(s),Range Hood,Ice Maker,Free-Standing Refrigerator,Free-Standing Electric Range,Electric Water Heater,Electric Oven,Dishwasher
  • Laundry features: In Bathroom,Inside,Lower Level

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Cedar Closet(s),Ceiling Fan(s),Crown Molding,Eat-in Kitchen,High Speed Internet,Hot Tub,Natural Woodwork,Pantry,Recessed Lighting,Smart Light(s)
  • Door features: Sliding Doors
  • Window features: Bay Window(s),Garden Window(s),Wood Frames
  • Flooring: Laminate,Luxury Vinyl,Tile
  • Finished area below ground: 770
  • Finished area above ground: 770

Heating & Cooling

  • Heating features: Electric,Hot Water,Oil,Wood,Wood Stove
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,540
  • Total interior livable area: 1,540 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Office

  • Level: Second

Other

  • Level: First

Property

Details

  • Parcel number: 127.00
  • Zoning: RR Rural Res

Features

  • Levels: Two
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Deck,Front Porch
  • Exterior features: Dog Run,Fire Pit,Garden,Lighting,Private Yard,Rain Gutters,Smart Light(s),Uncovered Courtyard
  • Fencing: Chain Link,Partial,See Remarks
  • Has view: Yes
  • View description: Garden,Mountain(s),Rural,Trees/Woods

Lot

  • Lot size: 4.86 Acres
  • Features: Back Yard,Garden,Gentle Sloping,Landscaped,Many Trees,Native Plants,Private,Secluded,Wooded

Parking

  • Total spaces: 2
  • Parking features: On Site,Private,Outside,Off Street
  • Has uncovered spaces: Yes
  • Uncovered 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
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave

FEMA Declared Disasters in Greene 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 $1,769$21,228
Home Insurance *$173$2,076
Property Taxes $405$4,860
Electricity $254$3,053
Total$2,601$31,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,177/yr
40% on housing$78,030/yr
45% on housing$69,360/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: 2.6%
2.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.4%
-4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 12468$252
Greene County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 12468
Greene County$212

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
2026-06-03Listed for sale$350,000
2023-07-15Listing removed--
2023-05-15Listed for sale$410,000
2006-10-20Sold$225,000
1999-03-15Sold$25,000

For Sale by Agent

AgentLindsey Arnold
BrokerageBerkshire Hathaway Homeservices Nutshell Realty

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