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326 Hemlock Drive, Gilmanton, NH, 03237

2beds
1baths
884sqft
$499,400
$565price/sqft
$3,482/moest. monthly cost
$139,280/yrincome needed

About This Home

WATERFRONT RETREAT with Private Dock & Incredible Views! WELCOME to your beautifully updated getaway on coveted Sawyer Lake. This renovated 2-bedroom, 1-bath cottage offers the perfect blend of modern comfort and classic lake living, set on 80' of private shoreline with incredible lake views that can be enjoyed from inside and out. INSIDE, you’ll find a bright, inviting layout designed for easy living and relaxation. Tastefully updated with quartz countertops, soft-close cabinetry, island/breakfast bar, and modern finishes, creating an open feel while maintaining its cozy charm. A thoughtfully designed coffee bar/laundry nook, featuring a side-by-side washer & dryer tucked neatly beneath, adds both style and convenience. COMFORT is ensured year-round with propane forced hot air heating, making it comfortable well beyond the traditional lake season. STEP OUTSIDE to experience true lake life. A permanent PRIVATE DOCK provides direct access to Sawyer Lake for boating, swimming, and fishing, while your private shoreline and beach area create the perfect setting for entertaining, or enjoying quiet mornings by the water. A spacious deck and multiple outdoor areas enhance the connection between indoor and outdoor living, all framed by sweeping, incredible lake views, and easy lake access with stairway connection to the waterfront. While officially classified as a 3-season property due to non-winterized water lines, it's comfortably heated and used well beyond the traditional season, offering extended enjoyment of lake life. With no HOA restrictions, you have freedom that is increasingly rare on waterfront communities. Excellent short-term or vacation rental potential, subject to local regulations, making it ideal as both a personal retreat and an investment. MINUTES from the best of the NH Lakes Region, including dining, hiking, trails, motorsports, premier ski areas, and NH TAX FREE Shopping. Make this waterfront property yours!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Pier/Column
  • Roof: Metal
  • Construction materials: Wood Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Cottage/Camp,Ranch
  • Property subType: Ranch

Interior

Appliances

  • Appliances included: Electric Cooktop,Dryer,Range Hood,Electric Range,Refrigerator,Washer,Electric Stove,Electric Water Heater,Tank Water Heater,Exhaust Fan
  • Laundry features: Laundry Hook-ups,1st Floor Laundry

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Dining Area,Kitchen Island,Kitchen/Family,Living/Dining,Natural Light,Indoor Storage
  • Window features: Blinds,Screens
  • Flooring: Vinyl Plank
  • Finished area below ground: 0
  • Finished area above ground: 884

Heating & Cooling

  • Heating features: Propane,Forced Air,Wall Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 884
  • Total interior livable area: 884 sqft

Property

Details

  • Parcel number: GILMM00122L084000S000000
  • Zoning description: RES LRES LAKE DIST

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Boat Slip/Dock,Dock,Balcony,Deck,Garden,Natural Shade,Private Dock,Shed,Storage
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Beach Access
  • Waterbody name: Sawyer Lake
  • Frontage length: Water frontage: 80,Road frontage: 75

Lot

  • Lot size: 0.25 Acres
  • Features: Recreational,Sloped,Views,Near Golf Course,Near Paths,Near Shopping,Near Skiing,Near Snowmobile Trails,Near ATV Trail

Parking

  • Total spaces: 3
  • Parking features: Off Street,On Site,Parking Spaces 3,Unpaved

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
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Ice Storm
Winter Weather
Hurricane
Inland Flooding
Strong Wind

FEMA Declared Disasters Across New Hampshire Counties

Flood
Severe Storm
Winter 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 $2,525$30,300
Home Insurance $133$1,596
Property Taxes $541$6,492
Electricity $283$3,398
Total$3,482$41,784

Income You'd Need if You Spent...

35% on housing$119,382/yr
40% on housing$104,460/yr
45% on housing$92,853/yr

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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 8.6%
8.6%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$565This listing

vs Other Active Listings

Avg $/sqft

ZIP 03237$192
Belknap County$338

vs Homes Sold Last Month

Median $/sqft

ZIP 03237$261
Belknap County$320

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
2026-07-31Listed for sale$499,400
2026-07-15Pending sale$499,400
2026-06-20Listed for sale$499,400
2019-10-01Sold$192,000
2019-08-26Listed for sale$199,900
2017-07-10Sold$170,000

For Sale by Agent

AgentMaria Erna
BrokerageMcGinn & Associates Realty, LLC

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