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27 Lake Claire Drive, Middletown, NY, 10940

2beds
1baths
1,016sqft
$89,000
$88price/sqft
$876/moest. monthly cost
$35,040/yrincome needed

About This Home

Lake Retreat! Perched high above Claire Lake with breathtaking mountain views, endless vistas, and exceptional privacy, this unique property offers a rare opportunity to create your own Hudson Valley getaway. Located in a quiet area and ready to bring your vision to life, this hidden gem combines natural beauty, character, and potential. The distinctive floor plan features 2 bedrooms, 1 full bath, a spacious living room, kitchen, dining area, and an adorable breakfast nook, all positioned to take advantage of the peaceful natural surroundings. Expansive decking provides the perfect place to enjoy the mountain and lake views, while the private wooded setting offers a tranquil escape from everyday life. Located within a private lake community, residents enjoy access to the lake, nearby hiking trails, and abundant recreational opportunities. The property is also conveniently located close to highways, shopping, dining, and outdoor recreation, offering the perfect balance of seclusion and accessibility. Whether you're looking for a weekend retreat, vacation property, or year-round residence, this property presents an excellent opportunity for buyers seeking a home with character and the ability to customize it to their own style and preferences. With its unique floor plan, mountain and lake views, expansive outdoor decking, private setting, and desirable location, this special property offers tremendous potential in a beautiful Hudson Valley setting. Bring your imagination and discover the possibilities this unique lake cottage retreat has to offer. The Seller is selling this property in "As Is condition.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
5/10
6/10

Construction

Condition

  • Year built: 1951

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Other

Bedrooms & Bathrooms

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

Features

  • Open Floorplan
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,016
  • Total interior livable area: 1,016 sqft

Property

Details

  • Parcel number: 3344890090000001012.0000000
  • Special condition: None

Features

  • Has view: Yes
  • View description: Lake,Mountain(s)
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.67 Acres

Parking

  • Parking features: Off Site

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange County and New York

Fire
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 $450$5,400
Home Insurance *$31$372
Property Taxes $149$1,788
Electricity $246$2,954
Total$876$10,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,034/yr
40% on housing$26,280/yr
45% on housing$23,360/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: -1.9%
-1.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$88This listing

vs Other Active Listings

Avg $/sqft

ZIP 10940$210
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 10940$233
Orange County$263

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
2026-08-17Price change$69,000
2026-07-28Price change$89,000
2026-07-08Price change$130,500
2026-06-03Listed for sale$145,000
1999-09-29Sold$3,779

For Sale by Agent

AgentBarbara Pagella
BrokerageColdwell Banker Realty

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