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7278 Us Highway 9, Chestertown, NY, 12817

3beds
1baths
1,220sqft
$765,000
$627price/sqft
$5,133/moest. monthly cost
$205,320/yrincome needed

About This Home

Rich in Adirondack history and surrounded by nature, Calamity Cove is a one-of-a-kind year-round retreat offering over 3 acres across two separately deeded parcels with direct boating access to beautiful Loon Lake. Originally home to a campground and later a popular local gathering place, the property has evolved into the peaceful waterfront escape it is today while preserving pieces of its remarkable past. The heart of the home--the spacious great room--features reclaimed architectural elements from the historic Watch Rock Hotel in Schroon Lake, creating an atmosphere that simply can't be replicated. Hand-hewn beams, rustic wood accents, and Adirondack craftsmanship complement this inviting 3-bedroom, 1-bath home. Two wood stoves, open living and dining areas, and a screened porch provide the perfect setting for gathering with family and friends after a day on the lake. A picturesque horseshoe driveway framed by stone pillars welcomes you to the property, where mature pines and hardwoods create a peaceful, private setting. Enjoy level access to your private Loon Lake frontage, making it easy to launch a kayak, hop on the boat, fish, or simply relax while taking in the sights and sounds of the Adirondacks. A large detached storage building offers plenty of room for boats, kayaks, snowmobiles, ATVs, tools, and all your outdoor gear. The second parcel provides exceptional flexibility--maintain it as a wooded privacy buffer or explore the opportunity to build a second home or guest cottage (subject to APA and municipal approvals). Whether you're searching for a year-round residence, a four-season getaway, or a property with future potential, Calamity Cove offers a rare combination of Adirondack history, privacy, recreation, and opportunity in one unforgettable setting

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
North Warren Central SchoolGrades PK-124.2 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: In Bathroom

Basement

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

Bedroom1

  • Level: First
  • Area: 180
  • Dimensions: 15 x 12

Bedroom2

  • Level: Second
  • Area: 180
  • Dimensions: 15 x 12

Bedroom3

  • Level: Second
  • Area: 208
  • Dimensions: 16 x 13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: First
  • Area: 144
  • Dimensions: 12 x 12

Family Room

  • Level: First
  • Area: 195
  • Dimensions: 15 x 13

Features

  • High Speed Internet
  • Window features: Screens
  • Flooring: Wood
  • Number of fireplaces: 2
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,220

Heating & Cooling

  • Heating features: Forced Air,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,220
  • Total interior livable area: 1,220 sqft

Other

  • Level: First
  • Area: 80
  • Dimensions: 8 x 10

Other

  • Level: First
  • Area: 195
  • Dimensions: 15 x 13

Property

Details

  • Parcel number: 13.17.2 and 7.1
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 2
  • Pool features: None
  • Patio & porch: Screened
  • Exterior features: Dock
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Owned Waterfront,Waterfront
  • Waterbody name: Loon Lake
  • Frontage type: Lakefront,Waterfront
  • Topography of land: Level

Lot

  • Lot size: 3.04 Acres
  • Features: Level,Private,Views,Waterfront

Parking

  • Total spaces: 27
  • Parking features: Circular Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 25

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 $3,868$46,416
Home Insurance *$203$2,436
Property Taxes $816$9,792
Electricity $246$2,954
Total$5,133$61,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,988/yr
40% on housing$153,990/yr
45% on housing$136,880/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

$627This listing

vs Other Active Listings

Avg $/sqft

ZIP 12817$200
Warren County$367

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
2026-07-27Listed for sale$765,000

For Sale by Agent

AgentAngela L Mead
BrokerageGallo Realty ADK, Inc

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