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7 Bluff Is, Tupper Lake, NY, 12986

1beds
1baths
1,000sqft
$575,000
$575price/sqft
$4,133/moest. monthly cost
$165,320/yrincome needed

About This Home

Experience the charm and tranquility of this authentic Adirondack-style camp located on the picturesque Bluff Island in Big Tupper Lake. This unique 3-season camp offers a serene and private retreat nestled in the heart of the prime Adirondack forest. Perfect for nature enthusiasts and those seeking a peaceful getaway, the property boasts stunning west-facing views, incredible sunsets, and prime lake frontage. Surrounded by a mature forest, this camp is a haven for nature lovers. Enjoy the pristine beauty of the Adirondacks with opportunities for great swimming, boating, and fishing right at your doorstep. The camp features traditional Adirondack architecture, including a cozy fireplace and a rustic lean-to, providing a true back-to-nature experience. With over 3 acres of land, this property offers unmatched privacy, making it an ideal retreat from the hustle and bustle of everyday life. Whether you enjoy swimming, boating, or fishing, Bluff Island provides excellent opportunities for all. The prime lake frontage ensures easy access to the water, while the surrounding forest offers great hiking and wildlife watching. This property presents a rare opportunity to own a piece of the Adirondacks, perfect for a private retreat or a seasonal getaway. Its prime location, natural beauty, and authentic Adirondack charm make it a valuable investment

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

3/10
4/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt,Slate
  • Construction materials: Frame,Stone,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Gas Range,Gas Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Family Room

  • Features: Softwood
  • Level: First
  • Area: 182
  • Dimensions: 14 x 13

Features

  • Vaulted Ceiling(s)
  • Flooring: Stone,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Great Room

  • Features: Softwood
  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Heating & Cooling

  • Heating features: Fireplace(s)
  • Cooling features: None

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Features: Softwood
  • Level: First
  • Area: 120
  • Dimensions: 15 x 8

Master Bathroom

  • Features: Ceramic Tile
  • Level: First
  • Area: 63
  • Dimensions: 9 x 7

Master Bedroom

  • Features: Softwood
  • Level: First
  • Area: 161
  • Dimensions: 14 x 11.5

Other

  • Features: Softwood
  • Level: First
  • Area: 108
  • Dimensions: 12 x 9

Sunroom

  • Features: Softwood
  • Level: First
  • Area: 72
  • Dimensions: 12 x 6

Property

Details

  • Parcel number: 509.17.100
  • Zoning: Residential

Features

  • Levels: One
  • Patio & porch: Covered,Deck,Front Porch,Screened
  • Exterior features: Boat Slip
  • Has view: Yes
  • View description: Lake,Mountain(s),Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Big Tupper Lake
  • Frontage type: Lakefront
  • Topography of land: Rolling

Lot

  • Lot size: 3.12 Acres
  • Features: Many Trees,Rolling Slope,Waterfront,See Remarks

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
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Cold Wave
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters in Franklin County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $2,907$34,884
Home Insurance *$286$3,432
Property Taxes $694$8,328
Electricity $246$2,954
Total$4,133$49,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,702/yr
40% on housing$123,990/yr
45% on housing$110,213/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: 4.3%
4.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$575This listing

vs Other Active Listings

Avg $/sqft

ZIP 12986$237
Franklin County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 12986$167
Franklin County$117

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)

No zestimate history available

Price History

DateEventPrice
2025-08-15Price change$639,000
2025-05-20Price change$669,000
2024-07-08Listed for sale$699,000
1997-02-04Sold$41,000

For Sale by Agent

AgentRob Gillis
BrokerageMerrill L. Thomas - Gillis Team

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