6786 State Highway 80, Cooperstown, NY, 13326
About This Home
Enjoy breathtaking views of Otsego Lake from this beautifully renovated lake house offering 50 feet of prime lake frontage. This turnkey property is being sold fully furnished and includes the dock and boat, making it ready for immediate enjoyment. Inside, you’ll find tasteful updates throughout, including a new roof, comfortable living spaces, and 2 bedrooms with 1 full bath. Two lakeside decks provide the perfect setting for entertaining, relaxing, and taking in the stunning water views. Ample parking adds convenience for guests and gatherings. Whether you’re looking for a seasonal retreat, investment opportunity, or year-round escape, this charming waterfront property delivers the complete lake lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1940
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Cooktop,Propane Water Heater,Refrigerator
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Living/Dining Room,Storage,Bedroom on Main Level
- Flooring: Hardwood,Varies
Heating
- Heating features: Electric,Propane,Baseboard
Interior Area
- Total structure area: 700
- Total interior livable area: 700 sqft
Property
Details
- Parcel number: 69.6013.00
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Patio
- Exterior features: Deck,Dock,Gravel Driveway,Patio,See Remarks,Propane Tank - Leased
- On waterfront: Yes
- Waterfront features: Dock Access,Lake
- Waterbody name: Otsego Lake
- Frontage length: 50
Lot
- Lot size: 871.20 sqft
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 50 x 50
Parking
- Parking features: No Garage,Driveway
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
- Cold Wave
- Winter Weather
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego 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 | $3,792 | $45,504 |
| Home Insurance * | $237 | $2,844 |
| Property Taxes | $962 | $11,544 |
| Electricity | $246 | $2,954 |
| Total | $5,237 | $62,844 |
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 | Price change | $750,000 |
| 2026-06-22 | Price change | $799,000 |
| 2026-05-28 | Listed for sale | $850,000 |
| 2018-02-01 | Sold | $120,000 |
| 2017-12-20 | Listed for sale | $120,000 |
| 2015-11-03 | Listing removed | -- |
| 2015-10-21 | Price change | $99,505 |
| 2015-10-06 | Listed for sale | -- |
| 2002-09-27 | Sold | $270,000 |
| 2000-07-26 | Sold | $78,000 |
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