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3429 S Shore Road, Hadley, NY, 12835

5beds
3baths
2,670sqft
$1,180,000
$442price/sqft
$8,030/moest. monthly cost
$321,200/yrincome needed

About This Home

This exceptional 5 bedroom, 3 full bath authentic post-and-beam retreat offers the perfect blend of rustic character and year-round comfort on the Great Sacandaga Lake in Saratoga County. Inside, 2,670 square feet of light-filled living space features vaulted ceilings, stunning oak floors with black walnut inlay, and walls of windows that frame the water. The open-concept design is ideal for entertaining or simply relaxing on the lake. The main level primary suite offers privacy and convenience with a spacious walk-in closet. Upstairs, a dramatic loft overlooks the lake and provides flexible living space, along with a dedicated home office, three additional bedrooms, and a full bath - ideal for hosting family and guests. The walkout lower level offers potential for a game room, gym, guest quarters, or expanded living space. Step outside to your 82 feet of direct frontage on the Great Sacandaga Lake with sunset views. All this, just 30 minutes from Saratoga Springs and Lake George, making it a perfect four-season getaway or full-time residence.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
3/10

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Cooktop,Dishwasher,Electric Water Heater,Washer/Dryer
  • Laundry features: In Basement

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Heated,Interior Entry,Unfinished,Walk-Out Access

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Features

  • High Speed Internet,Ceiling Fan(s),Walk-In Closet(s),Cathedral Ceiling(s),Ceramic Tile Bath
  • Window features: Insulated Windows
  • Flooring: Vinyl,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,670

Foyer

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Oil,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 2,670
  • Total interior livable area: 2,670 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Loft

  • Level: Second

Office

  • Level: Second

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Utility Room

  • Level: Basement

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 412800 44.5125
  • Zoning description: Single Residence
  • Special condition: Estate
  • Other equipment: None

Features

  • Patio & porch: Pressure Treated Deck,Wrap Around,Deck,Patio
  • Exterior features: Garden,Lighting,Dock
  • Fencing: None
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods,Creek/Stream,Hills,Lake,Water
  • Has water view: Yes
  • Water view: Creek/Stream,Lake,Water
  • On waterfront: Yes
  • Waterfront features: Beach Front,Deeded Water Access,Lake Front
  • Waterbody name: Great Sacandaga Lake

Lot

  • Lot size: 0.47 Acres
  • Features: Other,Mountain(s),Views,Cleared,Landscaped,Waterfront

Parking

  • Total spaces: 3
  • Parking features: Off Street,Stone,Under Residence,Driveway,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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

  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Inland Flooding

FEMA Declared Disasters in Saratoga 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 $5,966$71,592
Home Insurance *$375$4,500
Property Taxes $1,248$14,976
Electricity $441$5,294
Total$8,030$96,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$275,314/yr
40% on housing$240,900/yr
45% on housing$214,133/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: -6.7%
-6.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$442This listing

vs Other Active Listings

Avg $/sqft

ZIP 12835$210
Saratoga County$302

vs Homes Sold Last Month

Median $/sqft

ZIP 12835$302
Saratoga County$264

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
2026-05-11Price change$1,280,000
2026-03-16Listed for sale$1,330,000
2026-01-01Listing removed$1,330,000
2025-11-12Price change$1,330,000
2025-09-29Price change$1,399,000
2025-07-30Price change$1,499,000
2025-07-17Listed for sale$1,750,000

For Sale by Agent

AgentCourtney St. Onge
BrokerageHoward Hanna Capital Inc

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