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8643 State Route 28, Big Indian, NY, 12410

7beds
5baths
3,968sqft
$595,000
$150price/sqft
$4,624/moest. monthly cost
$184,960/yrincome needed

About This Home

Welcome to The Gather House located at 8643 New York 28 in Big Indian - a Four-Season Mountain Retreat in the Heart of the Catskills. There's a certain kind of quiet you only find in Shandaken - the kind that settles in your shoulders, slows your breathing, and reminds you that life can be simpler, softer, more intentional. As Route 28 winds through the valley, the mountains rise around you like old friends, and the Esopus Creek flashes between the trees. By the time you reach Big Indian, you're already somewhere else entirely. Tucked along the water's edge on 1.7 acres, this nearly 4,000 sq ft retreat feels less like a house and more like a place where stories take root. Morning sunlight filters through the windows and spills across the deck. The creek moves over the rocks while the sounds of wildlife layer into a natural harmony - a melody that will linger in your heart long after you leave. Inside, a large wood-burning fireplace anchors the great room creating the kind of hearth that pulls everyone together after long days on the mountain. Life in the Catskills has its own rhythm. It's where you know all the farmers market locations, where the best swimming holes are tucked between boulders, and which trailheads catch the first light. Adventure is always close, but so are the moments of stillness; and that balance is what makes The Gather House so special. With space to host up to 20 guests, the home adapts to whatever your life calls for. The layout offers two distinct yet connected living spaces: A main residence with 5 bedrooms, 3 baths, sleeping lofts, and a game room/loft where late-night card games and laughter tend to stretch longer than planned. A private 2-bedroom, 2-bath apartment that can stand alone or open seamlessly to the main home through a shared interior door located off the laundry room. Open it up for one expansive retreat or close it for privacy and flexibility. It's a rare setup that works equally well for personal use or a multi-family income property (zoned as a legal 2-family). A detached second structure, already equipped with electric, plumbing, and septic, stands ready for its next chapter. A guest cottage, studio, workshop, or additional income unit - the infrastructure is in place for your vision to unfold. And for those who want even more yard space or an additional build site, the neighboring vacant parcel could be available for purchase. With ample parking, easy access along Route 28, and proximity to some of the region's most iconic destinations, The Gather House provides a true charm to Catskills living. Rooted in nature, shaped by seasons, and ready for you to call home.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

--
9/10
Onteora Middle SchoolGrades 7-812.4 mi
7/10
Onteora High SchoolGrades 9-1212.4 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Concrete Perimeter,Slab
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5
  • Full bathrooms: 5

Features

  • Breakfast Bar,Cathedral Ceiling(s),Ceiling Fan(s),Entrance Foyer,Granite Counters,Kitchen Island,Open Floorplan,Pantry,Recessed Lighting
  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Forced Air,Oil,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,968
  • Total interior livable area: 3,968 sqft

Property

Details

  • Parcel number: 500000401400010340000000
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: One and One Half
  • Patio & porch: Deck
  • Exterior features: Fire Pit
  • On waterfront: Yes
  • Waterfront features: Creek

Lot

  • Lot size: 1.70 Acres

Parking

  • Parking features: Driveway,Off Street
  • 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

  • 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 $3,008$36,096
Home Insurance *$158$1,896
Property Taxes $803$9,636
Electricity $655$7,868
Total$4,624$55,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,537/yr
40% on housing$138,720/yr
45% on housing$123,306/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

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 12410$213
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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Listed for sale$649,000
2026-01-29Listing removed$779,000
2025-09-11Listed for sale$779,000

For Sale by Agent

AgentMatthew Horton
BrokerageColdwell Banker Village Green

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