102 Shoreline Drive, Summit, NY, 12175
About This Home
Welcome to 102 Shoreline Drive in Summit, New York--an exceptional opportunity to own a lovingly maintained lakefront retreat on the peaceful shores of Summit Lake. Offered for the very first time, this custom-built home (1998) combines comfort, character, and serene natural surroundings. Step inside to find original hardwood floors and an inviting open-concept layout that maximizes both space and light. The home features two bedrooms, plus a office or 3rd bedroom, galley kitchen, spacious breezeway connecting the home and garage along with one and a half baths--perfect for year-round living or a relaxing getaway. An attached two-car garage adds convenience and ample storage. At the lake front side of the home, a charming finished porch provides the perfect place to relax and take in tranquil lake views--ideal for morning coffee or unwinding at the end of the day. Thoughtful upgrades enhance both efficiency and peace of mind, including a modern mini-split heating and cooling system, and an on-demand hot water heater. Offered fully furnished, this home is truly move-in ready--just bring your personal touches and start enjoying lake life immediately. Summit Lake's tranquil setting is preserved by its electric-only boating policy, allowing you to enjoy kayaking, canoeing, swimming, fishing, and quiet electric boat cruising without the noise of gas-powered motors. Whether you're seeking a quiet escape or a place to gather with friends and family, this rare offering delivers the best of waterfront living in a serene, private setting. Many state forests are nearby for hunting and hiking, as well as the snowmobile trail system located right up the road. Don't miss your chance to own a piece of Summit Lake--properties like this seldom come on the market. 5 minutes from I-88 for commuting to the Capital Region or Oneonta. Cobleskill-Richmondville School District.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1998
Materials
- Roof: Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Custom
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Instant Hot Water,Microwave,Oven,Refrigerator,Washer/Dryer
- Laundry features: Laundry Closet,Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: First
Features
- High Speed Internet
- Flooring: Carpet,Hardwood
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,568
Heating & Cooling
- Heating features: Electric,Forced Air,Propane,Wood
- Cooling features: Central Air
Interior Area
- Total structure area: 1,568
- Total interior livable area: 1,568 sqft
Kitchen
- Level: First
Living Room
- Level: First
Other
- Level: First
Property
Details
- Parcel number: 434800 112.1228
Features
- Patio & porch: Wrap Around,Enclosed,Front Porch
- Exterior features: None
- Has view: Yes
- View description: Trees/Woods,Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front
- Waterbody name: Summit Lake
Lot
- Lot size: 6,098 sqft
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Schoharie County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,401 | $28,812 |
| Home Insurance * | $163 | $1,956 |
| Property Taxes | $744 | $8,928 |
| Electricity | $259 | $3,109 |
| Total | $3,567 | $42,804 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-18 | Listed for sale | $499,995 |
View on Zillow