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342-346 Starbuck Hill Road, Chestertown, NY, 12817

4beds
3baths
3,977sqft
$699,900
$176price/sqft
$5,128/moest. monthly cost
$205,120/yrincome needed

About This Home

Tucked away on over 5 private, wooded acres yet minutes from I-87 and town, this meticulously maintained Adirondack retreat offers the perfect blend of serenity, convenience, and versatility. Whether you are seeking a primary home, a vacation escape, or a rental property with proven rental history, here is a rare opportunity to have it all. The main house is a 3 BR, 2 BA home with sweeping views of the High Peaks. The updated kitchen features new appliances and hickory wood cabinets. The bright, airy dining/sunroom is wrapped in windows with access to a large brand-new deck & new screened-in porch, perfect for large gatherings. A dramatic two-story living room with a wood-burning stove and wall of windows has another slider to the deck and porch. There is also a full bath and laundry on this floor for convenience. Upstairs the versatile loft space showcases spectacular views in the home. A large light filled primary bedroom with vaulted ceiling and exposed beams, a full bath and a guest bedroom. Knotty pine interiors create a warm, inviting backdrop while expansive windows draw in the natural light. The lower-level walkout has a bedroom and bonus living space wrapped in bright knotty pine. The remainder of the space houses the mechanicals. An attached, heated two-car garage, additional storage garage, new underdeck, patio, paved driveway, 3 zone heating, A/C, and whole-house generator add comfort and peace of mind. Further enhancing the property is a separate 2 story guest house with a large game room and workshop area on the top floor and a 1 BR suite with living room, full bath, kitchenette, and a brand-new entry deck with its own separate U-shaped driveway. Both homes have a great rental history! Lake life shapes much of the summer recreation with Loon Lake to the west, Schroon to the north and Brant and Lake George to the east, with Bolton Landing just a 10 minute drive. Priced to Sell, don't miss an opportunity to enjoy everything this property has to offer!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
North Warren Central SchoolGrades PK-120.4 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal,Asphalt
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Full,Heated,Interior Entry,Unfinished,Walk-Out Access

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • High Speed Internet,Ceiling Fan(s),Solid Surface Counters,Cathedral Ceiling(s)
  • Window features: Skylight(s),Double Pane Windows
  • Flooring: Tile,Vinyl,Carpet
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,977

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Game Room

  • Level: First

Heating & Cooling

  • Heating features: Electric,Propane Tank Owned,Radiant Floor
  • Cooling features: Ductless,Window Unit(s)

Interior Area

  • Total structure area: 3,977
  • Total interior livable area: 3,977 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Property

Details

  • Parcel number: 522400 104.12
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Pressure Treated Deck,Screened,Side Porch,Covered,Deck,Patio
  • Exterior features: Lighting
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Mountain(s),Skyline,Trees/Woods,Forest

Lot

  • Lot size: 5.13 Acres
  • Features: Rock Outcropping,Secluded,Mountain(s),Private,Road Frontage,Views,Wooded,Irregular Lot,Landscaped

Parking

  • Total spaces: 8
  • Parking features: Paved,Attached,Driveway,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding

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 $3,539$42,468
Home Insurance *$186$2,232
Property Taxes $746$8,952
Electricity $657$7,886
Total$5,128$61,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,817/yr
40% on housing$153,840/yr
45% on housing$136,746/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

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 12817$231
Warren County$370

vs Homes Sold Last Month

Median $/sqft

ZIP 12817$350
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)

Price History

DateEventPrice
2026-06-29Listed for sale$699,900

For Sale by Agent

AgentHolly Dansbury
BrokerageDavies Davies & Associates Real Estate LLC

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