CCertihomes
108 Spruce Lake Road, Salisbury, NY 13365

$675,000

3 beds 4 baths 2,818 sqft Built 199432 days on marketActive

About this home

Experience luxury lakeside living at its finest with this beautifully renovated home at 108 Spruce Lake Road Extension in Salisbury, New York. Situated on just over an acre across three parcels, this custom-built 3-bedroom, 3.5-bathroom residence offers 2, 880 square feet of thoughtfully designed living space with direct access to the serene, non-motorized Spruce Lake. The main level of the home features a spacious open-concept design with a stunning custom stone fireplace anchoring the living room. Large windows frame panoramic lake views and flood the home with natural light, creating a warm and inviting atmosphere throughout. The kitchen is updated with modern finishes and flows seamlessly into a generous dining area, perfect for entertaining. Upstairs, you'll find three well-appointed bedrooms and a newly built second-story deck where you can relax and take in the tranquil surroundings. A wrap-around porch offers multiple seating areas to enjoy morning coffee or evening sunsets, while the deeded lake access just across the road ensures endless opportunities for kayaking, canoeing, fishing, or simply enjoying the quiet beauty of Spruce Lake. Additional amenities include a spacious attached garage, updated bathrooms, and a history of successful short-term rental use—making this property not only a serene retreat but also a potential investment opportunity. Whether you're seeking a peaceful primary residence, a vacation getaway, or an income-producing property, 108 Spruce Lake Road Extension delivers comfort, quality, and year-round appeal in an idyllic lakefront​​‌​​​​‌​​‌‌​​‌​​​‌‌​​​‌​​‌‌​‌‌‌​​‌‌‌​​​ setting.

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
$6,519/mo

Real estate (PITI + HOA + PMI)
$5,765
Principal + interest$4,331
Property tax + insurance$1,181
PMI / 2nd mortgage$253
Utilities
$1,831
Heating + cooling$766
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$6,519/mo TLC
Budget$7,019/mo
Remaining after TLC$500/mo
Purchase price
$675,000
Down payment
$33,750 (5%)
Loan amount
$641,250
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Contemporary
Year built
1994
Lot size
1.65 ac
Stories
1
Heating
Ductless, Propane, ForcedAir
Cooling
Ductless
Water
Other, SeeRemarks
HOA
Annual tax
$5,542
MLS #
S1604637
County
Herkimer

At a glance

Air conditioning
Fireplace
Basement
Garage (1)

Home features

Appliances
ElectricWaterHeaterFreeStandingRangeOvenRefrigerator
Interior
EatInKitchenSeparateFormalLivingRoomKitchenIslandSlidingGlassDoorsLoft
Exterior
BalconyGravelDrivewayPatioPropaneTankLeased
Parking
AttachedGarage
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt, Shingle
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.