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11 Lakeside Road, Mahopac, NY, 10541

3beds
3baths
2,772sqft
$1,598,000
$576price/sqft
$11,900/moest. monthly cost
$476,000/yrincome needed

About This Home

Live on vacation every day! Summer and the beauty of all the seasons awaits, only an hour from NYC. Set along one of Kirk Lake’s most secluded stretches, this exceptional waterfront property offers a rare blend of privacy, breathtaking views, and glorious lakeside living. Gorgeous views from almost every room, and from deck, balcony, yard, patio, hot tub, additional lakeside deck, and your private dock. Forever green (unbuildable) lakefront across assures the same vista for years to come. Thoughtfully renovated and redesigned to maximize the setting, the home captures sweeping lake views throughout and delivers a rare combination of privacy, refined indoor-outdoor living and the ultimate in recreation/lake life. Additional separate lot (10 Lakeside) included, with yard and parking for 10 plus cars, plus room for a garage/additional space for potential office/studio/ADU/whatever you need. One of a kind, perfect for entertaining and making magical memories. Watch moonlight over the lake, take a midnight dip, learn to waterski - the options for fun are endless. From boating and swimming to kayaking, paddleboarding, fishing, and waterskiing, the property offers direct access to an active waterfront lifestyle with a more peaceful and private locale than that of the other lakes nearby (adjacent to Lake Mahopac). Room for all your watersports toys (and those in the photos can be included - kayaks, paddleboards, paddleboat, canoe!) plus a shed for storage. Extensive renovations over $250k include: 2009 Major renovation/expansion of home -New Trex deck, Trex dock, roof, furnace, Unilock and bluestone walkways, electrical upgrade, hydro air high energy efficiency system, 2009 Kitchen remodel - GE Profile and Trivection ovens, granite counters, stainless, laundry in lower level and machines/hookup in mudroom, 2013 Hot tub, 2019 New refrigerator, 2023 Lower level renovation , additional refrigerators, 2024 New well pump, 2024 New water heater, 2024 New sleeve under road when road was repaved (for ease of future utility modification), 2025 New dishwasher & microwave, Custom tiles in kitchen and bathroom made by Rosanne Breuer, Master Potter. Custom walk in closet in primary BR. Private West Kirk Lake Civic Association Beach down the street with swimming area, park and picnic tables for approx. $200 annual membership. Red Mills Historic Park adjacent, 3.4 miles from the Taconic, 2.4 miles from the North County Trail and 1 mile from Putnam National Golf course. Don't miss this rare opportunity to live on Kirk Lake, the best kept secret of the Lakes District. IYKYK! Taxes with STAR savings approximately $17,671. (Adjacent Lot Taxes, Lot size Acres and Lot size sq.ft. included in listing)

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
5/10
Mahopac Middle SchoolGrades 6-101.1 mi
7/10
Mahopac High SchoolGrades 7,9-121.4 mi

Construction

Condition

  • Year built: 1964

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Oil Water Heater

Basement

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

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Formal Dining,Granite Counters,Open Floorplan,Primary Bathroom,Storage,Walk Through Kitchen,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Stairs,Unfinished

Heating & Cooling

  • Heating features: Hydro Air,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,772
  • Total interior livable area: 2,772 sqft

Other

  • Level: First

Other

  • Level: Lower

Property

Details

  • Parcel number: 37200006401500010150000000
  • Special condition: None

Features

  • Levels: Two
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Dock,Gas Grill,Lighting
  • Has spa: Yes
  • Has view: Yes
  • View description: Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Privileges,Water Access,Waterfront
  • Frontage length: 90 ft

Lot

  • Lot size: 0.83 Acres

Parking

  • Total spaces: 10
  • Parking features: Off Street,Parking Lot,Private

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

  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters in Putnam 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 $8,080$96,960
Home Insurance *$539$6,468
Property Taxes $2,823$33,876
Electricity $458$5,497
Total$11,900$142,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$408,000/yr
40% on housing$357,000/yr
45% on housing$317,333/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: 2.8%
2.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$576This listing

vs Other Active Listings

Avg $/sqft

ZIP 10541$312
Putnam County$327

vs Homes Sold Last Month

Median $/sqft

ZIP 10541$329
Putnam County$318

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
2026-08-07Listed for sale$1,598,000
2002-01-22Sold$310,500

For Sale by Agent

AgentLynn A. Harmonay
BrokerageNorth Country Sothebys Int Rlt

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