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28 Lakeview Ave, Richfield Springs, NY, 13439

3beds
2baths
1,769sqft
$389,000
$220price/sqft
$2,956/moest. monthly cost
$118,240/yrincome needed

About This Home

Situated on quiet street in the Village of Richfield Springs, you will begin to appreciate all this property has to offer immediately upon your arrival. A two-car carport provides covered access to the home through the basement, while the oversized three-bay garage and additional rear parking easily accommodate vehicles, equipment, or hobbies. The rear deck overlooks beautifully landscaped grounds and a gazebo with a hot tub before leading into the spacious kitchen, with a center island and newer stainless steel appliances. The open floor plan has a dining area off the kitchen that leads to a cozy living room with a fireplace, both having beautiful views of mountains in the distance. Down the hallway is a full bath, two bedrooms, a large family room with a gas fireplace, and a bonus room that currently serves as an office space. A new central air conditioning system keeps the entire house nice and comfortable on hot summer days. The front deck is accessed via the family room, and an ideal spot for entertaining. The partially finished basement provides a third bedroom, laundry room, den/fitness room, and workshop area. All of this on three separate parcels that total 2.83 acres! A new Central Air Conditioning system Located near all necessities, a short drive to Canadarago Lake, and only twenty minutes from the Historic Village of Cooperstown.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1955

Notable Dates

  • Major remodel year: 1980

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate,Linoleum,Tile
  • Number of fireplaces: 2
  • Fireplace features: Propane Stove
  • Fireplace: Yes
  • Finished area above ground: 1,769

Heating & Cooling

  • Heating features: Natural Gas,Baseboard,Zoned,Hot Water
  • Cooling features: Central,Zoned

Interior Area

  • Total structure area: 1,769
  • Total interior livable area: 1,769 sqft

Property

Details

  • Parcel number: 13.20258.00
  • Lease amount: 0

Features

  • Has view: Yes
  • View description: Mountain,Scenic
  • Frontage length: 0

Lot

  • Lot size: 2.83 Acres

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 $1,966$23,592
Home Insurance *$199$2,388
Property Taxes $499$5,988
Electricity $292$3,508
Total$2,956$35,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,348/yr
40% on housing$88,680/yr
45% on housing$78,826/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

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 13439$160
Otsego County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 13439$119
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)

Price History

DateEventPrice
2026-08-08Price change$375,000
2026-07-01Listed for sale$389,000

For Sale by Agent

AgentMike Burns
BrokerageStack-Page Properties

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