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741 Howe Road, Lake Luzerne, NY, 12846

4beds
3baths
2,000sqft
$499,000
$250price/sqft
$3,591/moest. monthly cost
$143,640/yrincome needed

About This Home

Come relax at this 3 bed 2 bath Ranch + In-Law apt. with all Cathedral ceilings. The Huge Great room has Wood ceilings as does the front porch. Granite Kitchen Island & Coffee/Wine Bar. Have family stay in the attached 1 bed 1 bath in-law apartment with its own entrance and Kitchen & Laundry Hookup. Beautifully built with sophisticated Adirondack charm. Everything from the roof to floor and everything in-between is new and has been designed for style and comfort. New HVAC/Septic/Well. Granite Counters in 2 Kitchens. Walk out to the back Patio and hear the nearby creek. You are surrounded by trees and privacy.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
3/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1956

Materials

  • Foundation: Other,Concrete Perimeter,Slab
  • Roof: Asphalt
  • Construction materials: Log,Stone,Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,ENERGY STAR Qualified Appliances,Range,Range Hood,Refrigerator,Wine Cooler
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Interior Entry,Partial

Bedroom

  • Level: First
  • Area: 120
  • Dimensions: 10.00 x 12.00

Bedroom

  • Level: First
  • Area: 120
  • Dimensions: 12.00 x 10.00

Bedroom

  • Level: First
  • Area: 74.612
  • Dimensions: 9.20 x 8.11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Built-in Features,Ceramic Tile Bath,Dry Bar,Kitchen Island
  • Door features: ENERGY STAR Qualified Doors,Sliding Doors
  • Window features: ENERGY STAR Qualified Windows
  • Flooring: Vinyl,Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 2,000

Full Bathroom

  • Level: First
  • Area: 70
  • Dimensions: 10.00 x 7.00

Full Bathroom

  • Level: First
  • Area: 53.69
  • Dimensions: 9.10 x 5.90

Great Room

  • Level: First
  • Area: 672
  • Dimensions: 24.00 x 28.00

Heating & Cooling

  • Heating features: Baseboard,Ductless,Zoned
  • Cooling features: Ductless

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Kitchen

  • Level: First

Kitchen

  • Level: First
  • Area: 87.456
  • Dimensions: 9.11 x 9.60

Laundry

  • Level: First
  • Area: 70
  • Dimensions: 10.00 x 7.00

Laundry

  • Level: First
  • Area: 50.05
  • Dimensions: 9.10 x 5.50

Living Room

  • Level: First
  • Area: 162.5
  • Dimensions: 13.00 x 12.50

Primary Bathroom

  • Level: First
  • Area: 79.03
  • Dimensions: 11.29 x 7.00

Primary Bedroom

  • Level: First
  • Area: 196
  • Dimensions: 14.00 x 14.00

Property

Details

  • Parcel number: 286.15128.12
  • Zoning description: Mixed
  • Special condition: Standard

Features

  • Patio & porch: Covered,Front Porch,Patio
  • Exterior features: Lighting
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: None
  • Has view: Yes
  • View description: Creek/Stream,Forest
  • Has water view: Yes
  • Water view: Creek/Stream

Lot

  • Lot size: 4.44 Acres
  • Features: Wooded,Cleared,Irregular Lot

Parking

  • Total spaces: 8
  • Parking features: Off Street,Stone,Driveway
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Warren 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 $2,523$30,276
Home Insurance *$206$2,472
Property Taxes $532$6,384
Electricity $330$3,966
Total$3,591$43,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,120/yr
40% on housing$107,730/yr
45% on housing$95,760/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: -1.8%
-1.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 12846$211
Warren County$370

vs Homes Sold Last Month

Median $/sqft

ZIP 12846$184
Warren County$219

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
2026-05-08Listed for sale$539,000

For Sale by Agent

AgentMary Beth Arnold
BrokerageField Realty

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