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8812 Mariaville Road, Pattersonville, NY, 12137

4beds
2baths
2,469sqft
$550,500
$223price/sqft
$4,333/moest. monthly cost
$173,320/yrincome needed

About This Home

Nestled along the tranquil shores of Mariaville Lake, this 4-bedroom, 2-full-bath waterfront home offers a rare opportunity to enjoy year-round lake living in one of the area's most peaceful settings. Set within a quiet, well-established lake community, the property captures serene water views and a sense of privacy that defines life on the lake. The spacious interior provides comfortable living with four bedrooms and two full baths, while large windows welcome natural light and frame the picturesque waterfront. The layout offers flexibility for everyday living, entertaining, or accommodating family and guests. Outside, the lake becomes an extension of the property, with opportunities for boating, kayaking, fishing, swimming, or simply relaxing while taking in the calm waters and surrounding natural beauty. From vibrant summer days to colorful autumn foliage and snow-covered winter landscapes, the setting offers exceptional beauty throughout every season. Conveniently located with easy access to I-88 while maintaining the charm and tranquility of lakeside living, this property presents an ideal opportunity for a year-round residence, seasonal getaway, or waterfront retreat. Experience the beauty, recreation, and peaceful lifestyle that make Mariaville Lake a truly special place to call home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
Schalmont Middle SchoolGrades 5-86.7 mi
5/10
Schalmont High SchoolGrades 9-126.8 mi
4/10

Construction

Condition

  • Year built: 1914

Materials

  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: In Bathroom,Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Flooring: Wood,Carpet,Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,469

Foyer

  • Level: First

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,469
  • Total interior livable area: 2,469 sqft

Kitchen

  • Level: First

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 422089 35.0524
  • Zoning description: Farm
  • Special condition: Standard

Features

  • Exterior features: Garden
  • Fencing: Front Yard
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake/River Across Rd,Lake Front
  • Waterbody name: Mariaville Lake

Lot

  • Lot size: 0.72 Acres

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Schenectady 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 $2,783$33,396
Home Insurance *$170$2,040
Property Taxes $972$11,664
Electricity $408$4,896
Total$4,333$51,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,560/yr
40% on housing$129,990/yr
45% on housing$115,546/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: -3.1%
-3.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 12137$123
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12137$246
Schenectady County$188

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
2026-07-09Listed for sale$550,500
2020-12-09Sold$293,500
2020-08-12Pending sale$299,000
2020-02-25Listed for sale$299,000
2019-12-01Listing removed$324,900
2019-08-12Price change$324,900
2019-05-07Listed for sale$349,900
2018-08-17Listing removed$364,900
2018-08-06Listed for sale$364,900
2018-07-13Pending sale$364,900
2018-07-10Listed for sale$364,900

For Sale by Agent

AgentAshley Jameson
BrokerageEmpire Real Estate Firm LLC

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