CCertihomes
107 Spruce Lake Road, Salisbury, NY 13365

$330,000

3 beds 1 baths 1,536 sqft Built 196985 days on marketActive

About this home

Discover the tranquility of lakefront living at 107 Spruce Lake Road Extension in Salisbury, NY. This charming 3-bedroom, 1-bath home is perfectly situated on just under an acre of land, offering peaceful views and direct access to the pristine, non-motorized Spruce Lake. Inside, the home features a warm and inviting great room centered around a wood-burning fireplace and framed by large windows that bring in natural light and showcase stunning lake views. The recently updated kitchen opens to a comfortable dining area, ideal for casual meals or entertaining guests. Outdoors, you'll find an oversized attached garage (28' x 40') providing ample space for vehicles, tools, or recreational equipment. An additional 800-square-foot pole barn adds even more functionality for storage or hobby use. Whether you're looking for a weekend getaway or a year-round home in a peaceful waterfront setting, this property delivers timeless charm and outdoor living at its best.

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
$3,512/mo

Real estate (PITI + HOA + PMI)
$2,939
Principal + interest$2,117
Property tax + insurance$698
PMI / 2nd mortgage$124
Utilities
$1,211
Heating + cooling$456
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,512/mo TLC
Budget$5,000/mo
Remaining after TLC$1,488/mo
Purchase price
$330,000
Down payment
$16,500 (5%)
Loan amount
$313,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
1969
Lot size
1.1892 ac
Stories
1
Heating
Propane, ForcedAir
Cooling
Water
Other, SeeRemarks
HOA
Annual tax
$4,073
MLS #
S1604649
County
Herkimer

At a glance

Fireplace
Garage (1)
Waterfront

Home features

Appliances
BuiltInRangeBuiltInOvenElectricWaterHeaterRefrigerator
Interior
EatInKitchenSeparateFormalLivingRoomBedroomOnMainLevel
Exterior
DirtDrivewayPropaneTankLeased
Parking
AttachedGarage
Flooring
Varies, Vinyl
Sewer
SepticTank

Lot features

IrregularLot, RuralLot

Neighborhood — 13365

MetricThis ZIPCountyUSA
Population7,34019,351,094299,088,112
Population Change Since1990-13.00%8.00%20.00%
Population Density60395
Male3,4829,381,926147,432,321
Female3,8589,969,168151,655,844
Never Married1,6834,946,39163,775,926
Married2,7837,166,701123,120,365
Separated4281,159,67312,639,686
Widowed6291,110,24515,467,586
Divorced5881,210,44823,075,029
Number Of House Hold2,9097,102,016111,826,380
Average House Hold Size2.442.642.60
Medial Age41.0436.5335.46
Median House Hold Income$30,892$49,847$48,276
Average House Hold Income$38,537$70,032$63,629
P C I$16,443$26,569$24,529
M D I$27,839$42,210$41,133
A T H E$37,012$54,185$50,898
S T R8.00%4.00%
W C J80.98%81.55%77.74%
(Zip) Code
13365

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

Map & walkability

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Listing information last refreshed 5/6/2025. Provided courtesy of River Hills Properties LLC Lf via Buffalo MLS. Information deemed reliable but not guaranteed.