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9657 Gardner Rd, Copenhagen, NY, 13626

2beds
1baths
576sqft
$125,000
$217price/sqft
$1,086/moest. monthly cost
$43,440/yrincome needed

About This Home

Set in a peaceful wooded setting, this cabin is highlighted by a picturesque creek that adds to the tranquil atmosphere. Step inside to find a cozy space consisting of kitchen-dining-living combination, 2 bedrooms with built in bunks and a 1/2 bath(pail flush toilet). Perfectly positioned along the main corridor snowmobile trail(C5) plus ride right out on ATV as well, adventure begins the moment you step outside. Enjoy the privacy and simplicity of off-grid living while being surrounded by year-round opportunities for snowmobiling, ATV riding, hiking, hunting, and wildlife watching. If you've been searching for an affordable retreat where you can unplug, unwind, and make lasting memories, this recreational gem is ready to welcome you. Escape the everyday and embrace the outdoors in this off-grid cabin nestled in the heart of one of the area's most sought-after recreational destinations. With the creek as its standout feature offering endless outdoor recreation right at your doorstep, this is the kind of place you'll never want to leave.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

7/10
Copenhagen Central SchoolGrades PK-125.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Furnished,Kitchen/Family Room Combo,Other,See Remarks,Natural Woodwork,Bedroom on Main Level
  • Window features: Thermal Windows
  • Flooring: Other,See Remarks
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Wood,Stove

Interior Area

  • Total structure area: 576
  • Total interior livable area: 576 sqft

Property

Details

  • Parcel number: 23480013800000010185000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Gravel Driveway,Propane Tank - Owned
  • On waterfront: Yes
  • Waterfront features: River Access,Stream
  • Waterbody name: Other
  • Frontage length: 201

Lot

  • Lot size: 2.30 Acres
  • Features: Irregular Lot,Other,Ski In /Ski Out,See Remarks,Wooded
  • Lot size dimensions: 336 x 496

Parking

  • Parking features: No Garage,Circular 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 FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Strong Wind
Winter Weather
Cold Wave
Lightning

FEMA Declared Disasters in Lewis County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter 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 $632$7,584
Home Insurance *$64$768
Property Taxes $144$1,728
Electricity $246$2,954
Total$1,086$13,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,234/yr
40% on housing$32,580/yr
45% on housing$28,960/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: 3.2%
3.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 13626$116
Lewis County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 13626
Lewis County$166

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
2026-07-24Listed for sale$125,000

For Sale by Agent

AgentCindy Mears
BrokerageTug Hill Real Estate

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