204 Mountain Lake South Shore Road, Gloversville, NY, 12078
About This Home
YEAR ROUND LAKESIDE RETREAT W/ 50 FT OF DIRECT WATERFRONT- Experience the quintessential Adirondack lifestyle in this well maintained, fully furnished, 4-season waterfront home with DUAL CONDENSER, MULTI-ZONE MINI-SPLIT SYSTEM and generator. Ideal for year round enjoyment - boating, fishing, hiking, skiing, or snowmobiling. Located within easy driving distance of Saratoga or Albany. Nestled on the shores of Mountain Lake, this property offers the perfect blend of rustic charm and modern comfort. The main floor features a spacious, open-concept living area with a magnificent, light-filled wrap-around family room designed to frame the breathtaking, unobstructed views of the lake. Upstairs, you'll find four bedrooms, providing plenty of space for family and guests. Downstairs, the dry basement provides an abundance of storage space. The property consists of two parcels and boasts 50 FEET OF DIRECT WATERFRONT. With the docks already in place and included in the sale, your transition to lakefront living will be effortless.From summer days on the lake to cozy mountain winters, this well-maintained gem is ready for its next chapter.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Range,Refrigerator
- Laundry features: None
Basement
- Has basement: Yes
- Basement: Exterior Entry,Full,Interior Entry,Unfinished
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 1
- Full bathrooms: 1
Family Room
- Level: First
Features
- Ceiling Fan(s),Dry Bar,Satellite Internet,Eat-in Kitchen
- Flooring: Carpet,Hardwood
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,500
Heating & Cooling
- Heating features: Ductless,Propane,Propane Tank Owned
- Cooling features: Ductless
Interior Area
- Total structure area: 1,500
- Total interior livable area: 1,500 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 172800 101.16215
- Special condition: Standard
Features
- Exterior features: Other,Dock
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Deeded Water Access,Lake Front
- Waterbody name: Mountain Lake
Lot
- Lot size: 0.64 Acres
- Features: Views,Waterfront
Parking
- Total spaces: 6
- Parking features: Off Street,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
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Fulton 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 | $1,946 | $23,352 |
| Home Insurance * | $188 | $2,256 |
| Property Taxes | $519 | $6,228 |
| Electricity | $247 | $2,974 |
| Total | $2,900 | $34,800 |
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 |
|---|---|---|
| 2026-07-22 | Price change | $385,000 |
| 2026-06-02 | Listed for sale | $400,000 |
| 2017-08-10 | Sold | $229,000 |
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