601 N Shore Peck Lake Road, Gloversville, NY, 12078
About This Home
4 season home 4 season recreation! Inspect this cozy, year round, 5 room, 3 bedroom, two bath cottage with deeded lake access. Newer Roof and new hot water heater. Buffered by the forest and private lands, this secluded property includes a fireplace, a portable generator, canoe, all with dockage rights (rental dock) and deeded access with rights to launch in and out of the lake. There are hiking trails nearby, good swimming, boating and winter snowmobiling all just a stone's throw away plus an alpine ski area (Royal Mtn) 15 minutes away. Peck's Lake is a environmentally protected area within the Adirondack Park.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Drywall,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary,Cottage,Custom
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Range,Range Hood,Refrigerator,Washer/Dryer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Exterior Entry,Full,Unfinished
Bedroom
- Level: First
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Vaulted Ceiling(s),Built-in Features,Ceramic Tile Bath,Eat-in Kitchen
- Window features: Double Pane Windows
- Flooring: Vinyl,Carpet,Laminate
- Number of fireplaces: 1
- Fireplace features: Insert,Living Room,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,204
Heating & Cooling
- Heating features: Forced Air,Oil,Wood
- Cooling features: Other
Interior Area
- Total structure area: 1,204
- Total interior livable area: 1,204 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 172000 100.812
- Special condition: Standard
- Other equipment: Fuel Tank(s)
Features
- Patio & porch: Rear Porch,Wrap Around,Deck
- Exterior features: Other
- Has view: Yes
- View description: Forest,Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Shared,Deeded Water Access
- Waterbody name: Peck Lake
Lot
- Lot size: 0.64 Acres
- Features: Private,Road Frontage,Sloped,Views,Wooded
Parking
- Total spaces: 6
- Parking features: Off Street,Paved,Detached,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
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Fulton 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 | $1,896 | $22,752 |
| Home Insurance * | $183 | $2,196 |
| Property Taxes | $506 | $6,072 |
| Electricity | $246 | $2,954 |
| Total | $2,831 | $33,972 |
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 |
|---|---|---|
| 2026-08-12 | Price change | $350,000 |
| 2026-07-20 | Price change | $375,000 |
| 2026-06-26 | Price change | $405,000 |
| 2026-06-09 | Listed for sale | $425,000 |
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