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1557 Hemlocks Lane, Argyle, NY, 12809

3beds
1baths
920sqft
$167,500
$182price/sqft
$1,390/moest. monthly cost
$55,600/yrincome needed

About This Home

Calling all investors and home buyers willing to do add a little TLC! This split ranch has deeded lake rights to Cossayuna Lake within a 2 minute walk and offers a solid foundation for renovation with a new hot water heater, new electric panel and updated plumbing added in 2023. This home sits on a quiet lane alongside the lake and is close to a state owned launch area for your boat. A private backyard with an above ground pool and a screened in porch round out the exterior. An open concept living room and kitchen area with the primary bedroom and bath on the main level make lake life easy -- all it needs is your vision! Cash buyers only, sold as-is.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

4/10
Argyle Elementary SchoolGrades PK-64.0 mi

Construction

Condition

  • Year built: 1951

Materials

  • Roof: Shingle
  • Construction materials: None

Type & Style

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

Interior

Appliances

  • Appliances included: None,Dishwasher,Range

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 920

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 920
  • Total interior livable area: 920 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 532089 191.5432
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Pool features: Above Ground
  • Patio & porch: Covered
  • Exterior features: None
  • Fencing: None
  • Waterfront features: Deeded Water Access

Lot

  • Lot size: 0.69 Acres
  • Features: Sloped

Parking

  • Total spaces: 2
  • Parking features: Off Street,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

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters in Washington 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 $846$10,152
Home Insurance *$57$684
Property Taxes $241$2,892
Electricity $246$2,954
Total$1,390$16,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,657/yr
40% on housing$41,700/yr
45% on housing$37,066/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: 3.7%
3.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 12809$273
Washington County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12809$245
Washington County$137

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

DateEventPrice
2025-10-25Listed for sale$167,500
2006-08-30Sold$60,000

For Sale by Agent

AgentScott P Varley
BrokerageKW Platform

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