64 Honnedaga Lake, Cold Brook, NY, 13324
About This Home
Tucked within the private, 50,000-acre Adirondack League Club, this rare lakefront retreat on pristine Honnedaga Lake offers unmatched seclusion, recreation, and classic Adirondack charm. Accessible only by boat, the property combines pure privacy and quiet with convenient access to Club amenities--a short ride brings you to the Club House for meals, groceries, tennis and pickleball, hiking trails, and member gatherings. The post-and-beam main home features 3 bedrooms and 2 baths, blending rustic character with comfortable living. A charming guest cottage sits right at the water's edge, creating an ideal setup for hosting family and friends or enjoying multi-generational getaways. With approximately 600 feet of shoreline and 15 acres of land, there's ample space for outdoor activities, exploration, and lakeside relaxation. Honnedaga is a large, glacial lake known for its crystal-clear water, excellent fishing, and motorboating--perfect for anglers, boaters, and nature lovers alike. This property is located within the Adirondack League Club, a historic private club that preserves the wilderness character of the Central Adirondacks. Membership in the Club is a prerequisite for purchase, and all property purchases are cash only. New member initiation fees and annual dues apply. A truly exceptional opportunity to own a classic Adirondack waterfront compound in one of the region's most coveted private preserves.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2011
Materials
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Adirondack,Chalet
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Gas Range,Built-In Refrigerator,Gas Range
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Cooling
- Cooling features: None
Features
- Door features: French Doors
- Number of fireplaces: 2
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,813
Interior Area
- Total structure area: 2,813
- Total interior livable area: 2,813 sqft
Property
Details
- Parcel number: 059.178,79,80
- Zoning: Residential
Features
- Stories: 2
- Exterior features: Dock,Fire Pit,Gas Grill
- Fencing: None
- On waterfront: Yes
- Waterbody name: Honnedaga Lake
Lot
- Lot size: 15 Acres
- Lot size dimensions: 600 X
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
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in Herkimer 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 | $6,067 | $72,804 |
| Home Insurance * | $652 | $7,824 |
| Property Taxes | $1,660 | $19,920 |
| Electricity | $464 | $5,578 |
| Total | $8,843 | $106,116 |
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 |
|---|---|---|
| 2026-06-10 | Listed for sale | $1,200,000 |
For Sale by Agent
View on Zillow