CCertihomes
1101 Oswegatchie Trail Road, Fine, NY 13690

$300,000

4 beds 2 baths 1,684 sqft Built 190556 days on marketActive

About this home

Welcome to your dream lakeside retreat in the heart of the Adirondacks. Charming 4 bedroom, 1.5 bathroom home offers plenty of space boasting 2 enclosed porches were you can enjoy breathtaking water views from there and almost every room in the house! First floor offers a large enclosed porch, a generous living room with gas fireplace, dining room, kitchen and half bath. Second floors offers 3 bedrooms, full bathroom, cedar lined closet, 2nd enclosed porch, 3rd floor boasts a large bedroom. There is a full walk out basement as well with laundry. Step outside to your private lake access ideal for fishing, swimming, kayaking, and a multitude of lake activities. This exceptional property combines the tranquility of lakeside living with convenient amenities. Don't miss your chance to own a wonderful home on Star Lake. Tenant occupied, once cleaned up will get better photos.

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
$3,262/mo

Real estate (PITI + HOA + PMI)
$2,641
Principal + interest$1,925
Property tax + insurance$603
PMI / 2nd mortgage$113
Utilities
$1,278
Heating + cooling$486
Internet + TV + phone$140
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$140
$3,262/mo TLC
Budget$5,000/mo
Remaining after TLC$1,738/mo
Purchase price
$300,000
Down payment
$15,000 (5%)
Loan amount
$285,000
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, TwoStory
Year built
1905
Lot size
1.2 ac
Stories
2
Heating
Oil, Baseboard, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$3,176
MLS #
S1608388
County
St Lawrence

At a glance

Fireplace
Basement

Home features

Appliances
DryerElectricOvenElectricRangeRefrigeratorSeeRemarksWaterHeaterWasher
Interior
CeilingFansSeparateFormalDiningRoomEatInKitchen
Exterior
EnclosedPorchGravelDrivewayPorch
Parking
NoGarage
Flooring
Hardwood, Varies, Vinyl
Sewer
SepticTank

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13690

MetricThis ZIPCountyUSA
Population39919,351,094299,088,112
Population Change Since1990-15.00%8.00%20.00%
Population Density29395
Male2029,381,926147,432,321
Female1979,969,168151,655,844
Never Married814,946,39163,775,926
Married1797,166,701123,120,365
Separated181,159,67312,639,686
Widowed401,110,24515,467,586
Divorced181,210,44823,075,029
Number Of House Hold1497,102,016111,826,380
Average House Hold Size2.622.642.60
Medial Age41.2636.5335.46
Median House Hold Income$34,463$49,847$48,276
Average House Hold Income$39,957$70,032$63,629
P C I$15,103$26,569$24,529
M D I$30,277$42,210$41,133
A T H E$37,887$54,185$50,898
S T R7.00%4.00%
W C J86.11%81.55%77.74%
(Zip) Code
13690

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

Map & walkability

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Listing information last refreshed 5/20/2025. Provided courtesy of Homes Realty of Northern New York via Buffalo MLS. Information deemed reliable but not guaranteed.