See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

26 Lakeside Trl, Fairfield, PA, 17320

6beds
5baths
4,875sqft
$1,400,000
$287price/sqft
$10,472/moest. monthly cost
$418,880/yrincome needed

About This Home

Set on 1.34 private, wooded acres directly on the shores of Charnita Lake, this 6-bedroom, 5-bath waterfront estate blends rustic mountain charm with the space and flexibility today's buyers are looking for. Whether you're looking for a spacious retreat, housing multiple generations under one roof, or building a turnkey short-term rental in the heart of the Ski Liberty corridor, this property is rich with options. Step inside through the stone-and-timber entry and you're greeted by a great room anchored by a floor-to-ceiling stone fireplace, rich hardwood floors, and walls of windows framing the lake and wooded hillside beyond. The open living and dining areas flow onto multiple rear decks, perfect for morning coffee over the water or evening entertaining under the trees. With three full kitchens — including a gourmet kitchen and two additional kitchens featuring their own islands — plus four separate laundry rooms serving different bedrooms throughout the home, the layout is purpose-built for multiple households, or multiple sets of guests, to live independently and comfortably. Wake up, walk out your door, and be on the water: the property offers direct lakeside access for kayaking and swimming, with private piers overlooking one of the most scenic stretches of the lake. Cool off instead in the saltwater pool, or gather around the outdoor spaces built for entertaining — including a fully equipped outdoor kitchen, a tranquil koi pond, a fire ring for evening gatherings, a private putting green, and an external sauna for year-round relaxation. This is four-season living at its best. Ski Liberty is just minutes away for skiing, golf, and clubhouse amenities, and you're a short drive from the charm of Fairfield and the history of Gettysburg. The Maryland line is just minutes south, putting Baltimore and DC within easy reach. Whether you're envisioning a multigenerational compound, a high-performing lake house rental, or your own private waterfront escape, 26 Lakeside Trail offers a rare combination of privacy, space, and location.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
Fairfield Area El SchoolGrades K-40.5 mi
5/10
6/10

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 3356

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,176
  • Finished area above ground: 3,699

Heating & Cooling

  • Heating features: Other,Wood
  • Cooling features: Ductless,Electric

Interior Area

  • Total structure area: 7,055
  • Total interior livable area: 4,875 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits,Accessible Entrance

Details

  • Parcel number: 430170093000
  • Zoning: RESIDENTIAL LOW DENSITY
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Private pool: Yes
  • Pool features: Private

Lot

  • Lot size: 1.34 Acres

Parking

  • Total spaces: 13
  • Parking features: Driveway,Off Street,On Street
  • Has uncovered spaces: Yes
  • Uncovered spaces: 10

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Drought
Hurricane
Heat Wave
Lightning

FEMA Declared Disasters Across Pennsylvania Counties

Flood
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 $7,079$84,948
Home Insurance *$456$5,472
Property Taxes $2,403$28,836
Electricity $534$6,418
Total$10,472$125,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$359,040/yr
40% on housing$314,160/yr
45% on housing$279,253/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 17320$219
Adams County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 17320$198
Adams County$184

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
2026-07-15Listed for sale$1,400,000

For Sale by Agent

AgentJack Straub
BrokerageStraub & Associates Real Estate

Similar Homes