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156 Lake Shore Dr N, Maryland, NY, 12116

3beds
2baths
1,512sqft
$259,000
$171price/sqft
$1,749/moest. monthly cost
$69,960/yrincome needed

About This Home

Just in time for summer! A 3 bedroom, 2 bath with 1,512 sqft of living space with lake views and lake access only steps away. Centrally located halfway between Cooperstown and Oneonta in the cozy Goodyear Lake Community. The home was renovated in 2016 creating an open concept space with the kitchen, dining and living room.The kitchen features quality cabinets, quartz countertop and a large island with cooktop. The 1st floor has 2 bedrooms and a tastefully updated full bathroom and a separate laundry room. The primary bedroom has a large walk-in closet. You will be able to enjoy your coffee and a breeze (and perhaps a nap) on the enclosed porch. The stairway to the finished walk out basement was nicely remodeled and leads to what could function nicely as an in law suite with a kitchenette, a family room, another bedroom (with walk in closet) and full bathroom. This home sits on a nice level lot consisting of 2 parcels, a blacktop driveway, a newer large Amish shed and another outbuilding that is currently a workshop but could easily function as a garage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

5/10
Milford Central SchoolGrades PK-125.4 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2016

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Oven,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Kitchen,Walk-Out Access,Bedrooms(1),Bathrooms(1)

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 1,512

Heating

  • Heating features: Electric,Baseboard

Interior Area

  • Total structure area: 2,012
  • Total interior livable area: 1,512 sqft

Kitchen

  • Features: Open

Property

Details

  • Parcel number: 260.09125.00 260.09126.00
  • Lease amount: 0

Features

  • Patio & porch: Enclosed Porch
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • Waterbody name: Goodyear Lake
  • Frontage length: 0

Lot

  • Lot size: 0.36 Acres
  • Features: Trees

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Otsego 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 $1,309$15,708
Home Insurance *$181$2,172
Property Taxes $10$120
Electricity $249$2,998
Total$1,749$20,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,965/yr
40% on housing$52,470/yr
45% on housing$46,640/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 12116$137
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 12116$127
Otsego County$153

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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Listed for sale$275,000

For Sale by Agent

AgentAnna Snyder
BrokerageStack-Page Properties

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