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3389 County Rd #26, Vermontville, NY, 12989

8beds
6baths
4,176sqft
$442,000
$106price/sqft
$4,137/moest. monthly cost
$165,480/yrincome needed

About This Home

The Inn at Loon Lake is hosting an Open House on May 23rd from 1-3 PM, open to both the public and brokers. With a recent price reduction, this motivated seller is offering an opportunity to experience the charm, flexibility, and Adirondack character this unique property has to offer. Historically operated as the Inn at Loon Lake, this 8-bedroom, 6-bath Adirondack property offers exceptional flexibility as a spacious family retreat, vacation home, or income-producing rental. While currently used as a full-time residence, the home has a long history as both an inn and, more recently, a short-term rental, making it well-suited for continued hospitality or multi-generational use. Set on a private lot with a small pond and fire pit area, the property features expansive two-story wraparound porches that define the Adirondack lifestyle--ideal for gathering, relaxing, and entertaining. Inside, the home showcases original woodwork, built-ins, and a large formal dining room, complemented by a remodeled kitchen, updated bathrooms, propane hot water heating, and a new roof. Deeded lake access to Loon Lake is just a short walk away, offering a true extension of the property. Enjoy a beautiful shared access point with mountain and lake views, space for swimming and shoreline play, and the option (for a nominal fee) to store a boat or kayak. Whether spending the day on the water or hosting guests back at the house, the setting supports both relaxation and recreation. Offered fully furnished and turnkey. Includes two tax parcels (309.4-3-14 and 309.4-3-13). A strong opportunity for those seeking a large-format Adirondack property with both personal enjoyment and rental potential.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

4/10
Bloomingdale SchoolGrades K-516.1 mi
7/10
6/10

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Adirondack,Colonial,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range,Refrigerator,Washer,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 6
  • Full bathrooms: 6
  • Main level bathrooms: 1

Features

  • Granite Counters,Built-in Features,Ceiling Fan(s),High Ceilings,High Speed Internet,Natural Woodwork
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,176

Heating

  • Heating features: Hot Water,Propane

Interior Area

  • Total structure area: 4,176
  • Total interior livable area: 4,176 sqft

Property

Details

  • Parcel number: 309.4314 & 309.4313
  • Zoning: Residential

Features

  • Levels: Tri-Level
  • Stories: 3
  • Patio & porch: Covered,Wrap Around
  • Exterior features: Fire Pit,Lake Access Drive

Lot

  • Lot size: 0.75 Acres
  • Features: Corner Lot,Many Trees

Parking

  • Parking features: Driveway

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 FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Franklin County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $2,234$26,808
Home Insurance *$679$8,148
Property Taxes $534$6,408
Electricity $690$8,281
Total$4,137$49,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,840/yr
40% on housing$124,110/yr
45% on housing$110,320/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: 4.3%
4.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 12989$112
Franklin County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 12989$117
Franklin County$117

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
2026-05-13Price change$449,000
2026-04-28Listed for sale$495,000

For Sale by Agent

AgentAdam Coolidge
BrokeragePeak Valley Real Estate

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