5 Liberty Place N, White Lake, NY, 12786
About This Home
NEW LISTING IN SMALLWOOD NY SUNNY, BRIGHT AND METICULOUSLY MAINTAINED SEASONAL COTTAGE - Welcome to this beautiful updated home where the owners spared no expense making sure this home had everything they wanted in it over the years. Upgrades include a new roof/gutters, mini split, composite decking, new asphalt, carport, shed, new kitchen/bathrooms, appliances, flooring and a beautiful outdoor three season room with storm windows. This home is outfitted perfectly and essentially like new. Inside you’ll find a perfect little kitchen that is extremely functional, with a built in hutch for additional storage, a large living room, two nice size bedrooms and a large full bathroom, the 1/2 bath features a new stacking washer/dryer combo. The parcel is a nice size with a large front/back yard, new composite decks are maintenance free and with two sheds you have lots of storage. The outdoor three season building features lots of windows and will probably be the favorite place for everyone to spend time. Smallwood is a hidden gem that offers you an incredible outdoor experience all out your front door. The jewel is a the pristine 65 acre Mountain Lake that allows for kayaking, fishing, swimming at the beach with a life guard on duty, annual actives, the best walk around the lake, all while being captivated by nature and wildlife in this very special setting. While there is no HOA joining the Civic Association is optional to use this private lake is for members only. This also allows for the use of the tennis/pickle ball courts and the Clubhouse. Separately with membership, is the Smallwood Club for seasonal use of the olympic size in-ground heated pool, weekly events/activities at the Clubhouse where you can catch up with your neighbors in a great way. Smallwood also features a 100 acre Reserve with marked hiking trails, a state-of-the-art dog park, an outdoor playground that also has exercise equipment or you can just sit by the brook. Life is pretty special in Smallwood. Approximately 2+ hrs from GWB/NYC, makes this special home a very easy commute. Close by you'll find many quaint towns for dining/shopping, the Delaware River for rafting/fishing, Bethel Woods Preforming Arts Center for amazing concerts under the stars, Kartrite Indoor Water Park, Resorts World Casino, skiing at Holiday Mountain/Big Bear at Masthope Mountain, many amazing hiking/biking trails and absolutely the best farmers markets you'll find anywhere, all for a very beautiful life in the country.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow,Cottage
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dryer,Electric Water Heater,Gas Range,Microwave,Refrigerator,Washer
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- First Floor Bedroom,First Floor Full Bath
- Attic: Partial
Heating & Cooling
- Heating features: Electric,Forced Air,Heat Pump,Propane
- Cooling features: Ductless,Electric
Interior Area
- Total structure area: 676
- Total interior livable area: 676 sqft
Property
Details
- Parcel number: 200004100003007000
- Special condition: None
Features
- Private pool: Yes
Lot
- Lot size: 0.34 Acres
Parking
- Total spaces: 2
- Parking features: Carport,Driveway
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 2
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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Sullivan 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 | $1,208 | $14,496 |
| Home Insurance * | $176 | $2,112 |
| Property Taxes | $360 | $4,320 |
| Electricity | $246 | $2,954 |
| Total | $1,990 | $23,880 |
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 |
|---|---|---|
| 2026-07-16 | Listed for sale | $239,000 |
View on Zillow