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390 E Lake Road, Salem, NY, 12865

2beds
1baths
1,008sqft
$500,000
$496price/sqft
$3,929/moest. monthly cost
$157,160/yrincome needed

About This Home

Cozy year-round log cabin on Cossayuna lake, including 65 feet of private lakeside frontage. Wood decking at the front and in newly excavated backyard. Furnace with forced hot air for the winter, serviced in Feb 2026 and in excellent working condition. Mitsubishi mini-split for cooling in the summer, installed 2025. Tons of recent updates, upgrades and additions totaling over $100k, including: - quartz kitchen countertop and tile backsplash - gut renovated bathroom, including new tub, white subway tiles in shower, glass door system, vanity, and hardware - new LVP flooring throughout the house - LED ceiling fans in every room - LED lights in kitchen, entryways and hallways - addition of dishwasher - new fridge 2026 - all new exterior doors - exterior stained spring 2024 - addition of water softener and updated well pressure tank - excavation and re-grading of approximately a half-acre at the back - extensive tree removal

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
Argyle Elementary SchoolGrades PK-64.3 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle,Asphalt,Fiberglass
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Closet,Main Level,Washer Hookup

Basement

  • Basement: Crawl Space

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Family Room

  • Level: First

Features

  • High Speed Internet,Ceramic Tile Bath,Eat-in Kitchen
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,008

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air,Heat Pump
  • Cooling features: AC Pump

Interior Area

  • Total structure area: 1,008
  • Total interior livable area: 1,008 sqft

Kitchen

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 532089 191.19.5
  • Special condition: Standard
  • Other equipment: Fuel Tank(s)

Features

  • Patio & porch: Deck,Front Porch
  • Exterior features: Garden,Lighting,Dock
  • Fencing: Back Yard,Chain Link
  • Has view: Yes
  • View description: Trees/Woods,Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Lake/River Across Rd,Stairway,Lake Front
  • Waterbody name: Cossayuna Lake

Lot

  • Lot size: 5.30 Acres
  • Features: Road Frontage,Views,Wooded

Parking

  • Total spaces: 8
  • Parking features: Off Street,Attached,Garage Door Opener,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $2,528$30,336
Home Insurance *$435$5,220
Property Taxes $720$8,640
Electricity $246$2,954
Total$3,929$47,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,708/yr
40% on housing$117,870/yr
45% on housing$104,773/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

$496This listing

vs Other Active Listings

Avg $/sqft

ZIP 12865$149
Washington County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 12865$132
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)

Price History

DateEventPrice
2026-07-10Price change$500,000
2026-06-20Listed for sale$525,000
2015-06-30Sold$175,000

For Sale by Agent

AgentDavid L White
BrokerageOwner Entry.com

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