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727 Ralph Road, Lake Luzerne, NY, 12846

2beds
2baths
1,386sqft
$439,900
$317price/sqft
$3,121/moest. monthly cost
$124,840/yrincome needed

About This Home

Wonderful Hearthstone timber frame log home set on 2 acres in Lake Luzerne, just over 4 miles to West Mountain Ski Resort. You are greeted by an inviting 8' X 26' covered front porch. Enter to find a vaulted ceiling living room with built-in shelving, wood burning fireplace with a genuine stone hearth and surround. First floor also has a dining room featuring an exposed beam ceiling open to the charming kitchen. A bedroom, full ceramic tile bath and laundry room finish out the first floor. You may access the generous screened in rear porch from the mud/laundry room or the French doors in the bedroom. Follow the custom Hemlock banister to the second floor where you will find a loft with luxury vinyl plank flooring and a closet. Primary bedroom suite has new carpet and double closets. Full basement has interior entrance plus set of stairs to exterior side of house. Don't miss the fabulous outdoor stone fireplace. See documents for exclusion list. Central air not operational, no seller credit to be given.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
5/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal,Shingle,Asphalt
  • Construction materials: Log,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Dishwasher,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Interior Entry

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Built-in Features
  • Door features: French Doors
  • Window features: Double Pane Windows
  • Flooring: Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Other,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,386

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,386
  • Total interior livable area: 1,386 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 523200 307.214

Features

  • Patio & porch: Rear Porch,Screened,Covered,Front Porch
  • Exterior features: Other,Lighting
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 2 Acres
  • Features: Private,Road Frontage,Wooded,Landscaped

Parking

  • Total spaces: 6
  • Parking features: Stone,Circular Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
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 $2,224$26,688
Home Insurance *$182$2,184
Property Taxes $469$5,628
Electricity $246$2,954
Total$3,121$37,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,005/yr
40% on housing$93,630/yr
45% on housing$83,226/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

$317This listing

vs Other Active Listings

Avg $/sqft

ZIP 12846$204
Warren County$369

vs Homes Sold Last Month

Median $/sqft

ZIP 12846$184
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
2026-08-07Price change$424,900
2026-07-28Price change$439,900
2026-07-02Listed for sale$449,900
2026-06-29Pending sale$449,900
2026-06-25Listed for sale$449,900
2009-10-30Sold$230,000
2009-08-13Price change$250,000
2009-07-05Price change$280,000
2009-01-05Price change$299,000
2008-10-20Listed for sale$315,000

For Sale by Agent

AgentValerie H Thompson
BrokerageRoohan Realty

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