46 Lakewood Avenue, Monticello, NY, 12701
About This Home
Calling All Investors & or Home Buyers looking for your very own Mini Estate, a truly enchanting lakefront Colonial set on 3.30 acres, including a private 1.5-acre lake right in your backyard. Total of 4 lots combined, With over 2,400 square feet, this 5-bedroom, 2.5-bath home offers timeless charm, serenity, and endless possibilities to expand, update, or even subdivide (with proper approvals). From the moment you arrive, the stately columns at the front entrance create striking curb appeal, setting the tone for a home that stands out. Inside, enjoy a warm and inviting layout featuring a first-floor bedroom, fireplace and detailed craftsman finishes throughout. The property includes a wraparound driveway, offering both convenience and elegance, while the private lake provides a peaceful, nature-filled backdrop perfect for relaxing, entertaining, or enjoying recreational activities. Whether you’re dreaming of building a poolside retreat, adding a guest house, or simply enjoying the space and privacy, this versatile mini estate is a rare gem with limitless potential. Motivated Sellers!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial,Craftsman
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Stainless Steel Appliance(s)
Basement
- Has basement: Yes
- Basement: Crawl Space
Bathroom1
- Level: First
Bathroom2
- Level: First
Bedroom1
- Level: First
Bedroom2
- Level: First
Bedroom3
- Level: First
Bedroom4
- Level: First
Bedroom5
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
Features
- First Floor Bedroom
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace: Yes
- Attic: Partial
Heating & Cooling
- Heating features: Oil
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 2,441
- Total interior livable area: 2,441 sqft
Kitchen
- Level: First
Lavatory
- Level: Second
Living Room
- Level: First
Property
Details
- Parcel number: 460111500005006001
- Special condition: None
Features
- Private pool: Yes
- Pool features: Other
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 1.10 Acres
Parking
- Parking features: Driveway
- 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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Sullivan 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 | $7,584 | $91,008 |
| Home Insurance * | $618 | $7,416 |
| Property Taxes | $2,262 | $27,144 |
| Electricity | $403 | $4,840 |
| Total | $10,867 | $130,404 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-15 | Listed for sale | $1,500,000 |
| 2026-02-01 | Listing removed | $1,650,000 |
| 2025-08-26 | Price change | $1,650,000 |
| 2025-08-01 | Listed for sale | $1,700,000 |
| 2025-01-28 | Listing removed | $1,600,000 |
| 2024-09-11 | Listed for sale | $1,600,000 |
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