CCertihomes
6691 State Highway 80, Otsego, NY 13326

$550,000

4 beds 3 baths 1,140 sqft Built 1920100 days on marketActive

About this home

CHARMING LAKEFRONT RETREAT ON OTSEGO LAKE- A RARE FIND IN COOPERSTOWN. Welcome to your slice of heaven on OTSEGO LAKE- a one-of-a-kind lakefront retreat with a rich past. Originally a 1920's fishing camp and thoughtfully expanded with a second story added in 1989. Four bedrooms all with stunning lake views, and two and a half baths. Owned by the same family for over 42 Years! 50 Feet of PRIVATE LAKEFRONT, offers a boathouse, private modern dock and new stairs down to the lake. On the first floor, Enjoy breathtaking lake views from the open-concept living room and kitchen. The first floor bedroom has a classic brick fireplace and views of the lake. Full bath by the primary bedroom. and a half bath off of the kitchen. Upstairs, you'll find three more bedrooms and a full bath. The home is equipped with its own drilled well, a lake-protecting septic system with a 2500 gallon holding tank (1989) Pumped summer 2024 UPGRADES INCLUDE: *BRAND NEW SECOND STORY ROOF, (2024) *BACK WALL EXCAVATED, SEALED, NEW GUTTER ON LOW BACK ROOF, (2024) *INTERIOR FRESHLY PAINTED, (2024) *NEWLY CONSTRUCTED STAIRS TO LAKE, AND SMALL DECK, (2024) *MAIN HOUSE STAIRS REBUILT, (2024) *NEW WATER HEATER 2023, *STONE CRIB RETAINING WALL IN SOLID CONDITION. Enjoy the fenced yard for pets and children. Strong internet, landline and cell service. This is more than just a home, it's a legacy property that has been lovingly maintained and thoughtfully improved. Start enjoying LAKE LIFE this Summer. Schedule your showing Today!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$5,021/mo

Real estate (PITI + HOA + PMI)
$4,653
Principal + interest$3,529
Property tax + insurance$918
PMI / 2nd mortgage$206
Utilities
$965
Heating + cooling$333
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$5,021/mo TLC
Budget$5,521/mo
Remaining after TLC$500/mo
Purchase price
$550,000
Down payment
$27,500 (5%)
Loan amount
$522,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cottage, TwoStory
Year built
1920
Lot size
0.28 ac
Stories
2
Heating
Electric, Baseboard
Cooling
WindowUnits
Water
Well
HOA
Annual tax
$4,567
MLS #
R1602494
County
Otsego

At a glance

Air conditioning
Fireplace
Basement
Waterfront

Home features

Appliances
DryerDishwasherElectricWaterHeaterFreeStandingRangeMicrowaveOvenRefrigeratorWasher
Interior
CeilingFansEatInKitchenLivingDiningRoomBedroomOnMainLevel
Exterior
DeckDockFullyFencedPrivateYardSeeRemarks
Parking
NoGarageNoDriveway
Flooring
Carpet, Hardwood, Varies
Roof
Membrane, Metal, Rubber
Sewer
HoldingTank

Lot features

Rectangular, RectangularLot

Neighborhood — 13326

MetricThis ZIPCountyUSA
Population3,81019,351,094299,088,112
Population Change Since1990-5.00%8.00%20.00%
Population Density36395
Male1,7999,381,926147,432,321
Female2,0119,969,168151,655,844
Never Married7654,946,39163,775,926
Married1,6347,166,701123,120,365
Separated2081,159,67312,639,686
Widowed3161,110,24515,467,586
Divorced3221,210,44823,075,029
Number Of House Hold1,5277,102,016111,826,380
Average House Hold Size2.382.642.60
Medial Age43.4736.5335.46
Median House Hold Income$40,416$49,847$48,276
Average House Hold Income$59,358$70,032$63,629
P C I$25,254$26,569$24,529
M D I$35,279$42,210$41,133
A T H E$49,029$54,185$50,898
S T R8.00%4.00%
W C J84.71%81.55%77.74%
(Zip) Code
13326

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 4/29/2025. Provided courtesy of Howard Hanna via Buffalo MLS. Information deemed reliable but not guaranteed.

6691 State Highway 80 · Otsego — $550,000 · Certihomes