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110 Lost Clove Road, Big Indian, NY, 12410

4beds
6baths
5,300sqft
$1,599,000
$302price/sqft
$11,543/moest. monthly cost
$461,720/yrincome needed

About This Home

Welcome to Lost Clove Mountain House, a rare and remarkable Catskills retreat set along a quiet country road in Big Indian. Surrounded by nearly nine private, wooded acres and bordered by protected state land, this fully renovated estate offers over 5,300 square feet of refined mountain living, where privacy, nature, and thoughtful design come together seamlessly. Just across the road, a mountain stream winds its way into the legendary Esopus Creek, creating a soothing natural soundtrack and a setting that feels worlds away, yet is just two hours from NYC. Inside, the home opens to a dramatic great room with soaring cathedral ceilings, rich hardwood floors, and a striking stone fireplace. Walls of glass invite the outdoors in, filling the space with natural light and framing peaceful woodland views. The open-concept layout flows effortlessly into a beautifully appointed chef's kitchen with gas cooking, custom cabinetry, and modern appliances, ideal for entertaining after a day in the mountains. Designed with both comfort and connection in mind, the home features four spacious bedroom suites, along with additional half baths, offering flexibility for hosting and everyday living. Multiple gathering spaces, including a finished lower level with a pool table and wood stove, create the perfect backdrop for après-ski evenings, game nights, or quiet weekends in. A true sanctuary, the home also embraces wellness and relaxation. Unwind in the Scandinavian wood sauna, relax in the warm cedar soaking tub, or step out onto the expansive deck to take in the crisp mountain air. Every detail has been considered, from ductless cooling and forced-air heat to a tankless hot water system and robust electrical service, ensuring year-round comfort and ease. A separate two-story 1,700 sq ft. guest house adds even more versatility. Perfect for hosting visitors, creating a private studio, or establishing a work-from-home escape. Ideally located just minutes from Belleayre Mountain, Peekamoose Restaurant, Urban Cowboy Lodge, and beloved local destinations like Frost Valley YMCA, Lost Clove Mountain House places you at the center of the Catskills' best outdoor recreation, dining, and culture. Whether you're seeking a refined ski house, a peaceful artist's retreat, or a four-season escape to recharge and reconnect, this is a property that delivers on every level. Private, luxurious, and deeply rooted in the beauty of the mountains.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

--
9/10
Onteora Middle SchoolGrades 7-811.2 mi
7/10
Onteora High SchoolGrades 9-1211.2 mi

Construction

Condition

  • Year built: 1986

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 1,148
  • Finished area above ground: 2,362

Interior Area

  • Total structure area: 5,300
  • Total interior livable area: 5,300 sqft

Property

Details

  • Parcel number: 12.112.200
  • Zoning: multiple

Features

  • Stories: 2
  • Exterior features: Gas Grill
  • Has spa: Yes

Lot

  • Lot size: 8.97 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - 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
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Cold Wave
Winter Weather

FEMA Declared Disasters in Ulster 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 $8,085$97,020
Home Insurance *$425$5,100
Property Taxes $2,158$25,896
Electricity $875$10,510
Total$11,543$138,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$395,760/yr
40% on housing$346,290/yr
45% on housing$307,813/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: 2.7%
2.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$302This listing

vs Other Active Listings

Avg $/sqft

ZIP 12410$176
Ulster County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 12410$253
Ulster County$261

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
2026-04-01Price change$1,599,000
2025-09-03Price change$1,395,000
2025-01-22Listed for sale$1,450,000

For Sale by Agent

AgentBrock Anderson
BrokerageFour Seasons Sotheby's Int.

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