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1170 Schroon River Road, Warrensburg, NY, 12885

3beds
2baths
1,092sqft
$589,900
$540price/sqft
$4,304/moest. monthly cost
$172,160/yrincome needed

About This Home

Extraordinary waterfront retreat offering over 22 private acres, more than 3,000 feet of river frontage, and a rare 10-acre island included with the property. This unique 3-bedroom, 2-bath home is surrounded by stunning mountain and water views and features recent updates, including a beautifully renovated modern bathroom, three new mini-split systems, and a walkout basement complete with a game room and room for future expansion. Outdoors, you'll find endless opportunities for recreation with scenic walking trails, swimming holes, excellent fishing, a sandy beach, and a secluded fire pit area perfect for gathering with family and friends. Multiple custom outbuildings with electricity provide abundant storage for boats, ATVs, and outdoor equipment. With exceptional privacy, easy golf cart access throughout the property, and a proven VRBO rental history, this is a rare opportunity to own an incredible waterfront escape unlike anything else on the market. This includes 2 parcels: 169.4-1-7 (House & outbuildings-peninsula on the river- 12.81 acres) & 169.4-1-9 (island- 10 acres).

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1988

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Oven,Refrigerator,Washer/Dryer
  • Laundry features: In Basement

Basement

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

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Kitchen Island
  • Flooring: Tile,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,092

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Game Room

  • Level: Basement

Heating & Cooling

  • Heating features: Other,Baseboard,Electric
  • Cooling features: Other

Interior Area

  • Total structure area: 1,092
  • Total interior livable area: 1,092 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 524000 169.417
  • Special condition: Standard

Features

  • Patio & porch: Side Porch
  • Exterior features: Other
  • Has view: Yes
  • View description: River,Trees/Woods,Water
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Schroon River

Lot

  • Lot size: 22.81 Acres
  • Features: Secluded,Mountain(s),Views,Waterfront

Parking

  • Total spaces: 8
  • Parking features: Stone,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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Strong Wind
Winter Weather

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 $2,982$35,784
Home Insurance *$447$5,364
Property Taxes $629$7,548
Electricity $246$2,954
Total$4,304$51,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,565/yr
40% on housing$129,120/yr
45% on housing$114,773/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

$540This listing

vs Other Active Listings

Avg $/sqft

ZIP 12885$296
Warren County$368

vs Homes Sold Last Month

Median $/sqft

ZIP 12885$170
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
2026-06-02Listed for sale$589,900
2024-06-05Sold$529,900
2024-04-14Pending sale$529,900
2024-04-11Listed for sale$529,900
2024-04-07Listing removed--
2024-04-06Listed for sale$492,000
2024-04-05Pending sale$492,000
2024-03-27Listed for sale$492,000
2024-03-06Listing removed--
2024-02-25Listed for sale$520,000
2018-06-15Sold$210,000
2018-06-02Pending sale$239,900
2017-05-20Listed for sale$239,900

For Sale by Agent

AgentAngela Cugini-Girard
BrokerageeXp Realty

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