CCertihomes
7990 State Highway 28, Richfield, NY 13439

$369,900

3 beds 2 baths 1,397 sqft Built 192018 days on marketActive

About this home

Welcome to your turnkey lakeside retreat—where every detail has already been taken care of, so all you need to do is sit back, relax and soak in the sweeping lake views. This beautifully renovated 3-bedroom, 2-bath home offers the perfect blend of comfort, convenience, and charm. The home itself is well-insulated and energy-efficient, making it a cozy haven year-round. Located just steps from the public boat launch and the sandy shores of Baker’s Beach, you’ll enjoy all the perks of lake life without the added maintenance or property taxes of waterfront ownership. Inside, enjoy brand-new appliances, updated finishes, and light-filled living spaces that invite you to unwind. Outside, the lush landscape features mature apple trees, prolific plum trees that offer an abundant harvest each year, and a variety of vibrant perennials that bloom season after season. A recent property survey has already been completed, adding peace of mind to this picture-perfect package. Whether you're looking for a serene year-round residence or a dreamy seasonal escape, this home delivers lakeside living at its finest. Home has been completely renovated starting in 2012 • New septic system installed in 2000 • New porch addition added in 2020 • Insulated vinyl siding along with wall insulation give this home an R-29 rating • New kitchen appliances (2024) • Hot water heater replaced in 2016 • Septic pumped 2024 by Stocking stalls

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
$3,548/mo

Real estate (PITI + HOA + PMI)
$3,048
Principal + interest$2,373
Property tax + insurance$536
PMI / 2nd mortgage$139
Utilities
$1,095
Heating + cooling$398
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,548/mo TLC
Budget$5,000/mo
Remaining after TLC$1,452/mo
Purchase price
$369,900
Down payment
$18,495 (5%)
Loan amount
$351,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Farmhouse, PatioHome, TwoStory
Year built
1920
Lot size
0.58 ac
Stories
0
Heating
Propane, Baseboard, HotWater
Cooling
WindowUnits
Water
Well
HOA
Annual tax
$1,773
MLS #
R1613892
County
Otsego

At a glance

Air conditioning
Basement
Garage (1)

Home features

Appliances
DryerDishwasherElectricWaterHeaterGasOvenGasRangeMicrowaveRefrigeratorWasherWaterSoftenerOwned
Interior
SeparateFormalLivingRoomGraniteCountersHomeOfficeCountryKitchenKitchenIslandSlidingGlassDoorsBathInPrimaryBedroom
Exterior
BalconyGravelDrivewayPropaneTankLeased
Parking
DetachedGarageWorkshopInGarage
Flooring
Hardwood, Tile, Varies, Vinyl
Roof
Asphalt
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Schools

High
Richfield Springs Central

Neighborhood — 13439

MetricThis ZIPCountyUSA
Population2,54919,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density28395
Male1,2469,381,926147,432,321
Female1,3039,969,168151,655,844
Never Married4664,946,39163,775,926
Married1,2007,166,701123,120,365
Separated1111,159,67312,639,686
Widowed1991,110,24515,467,586
Divorced1881,210,44823,075,029
Number Of House Hold9787,102,016111,826,380
Average House Hold Size2.562.642.60
Medial Age43.4736.5335.46
Median House Hold Income$39,057$49,847$48,276
Average House Hold Income$51,728$70,032$63,629
P C I$19,884$26,569$24,529
M D I$34,272$42,210$41,133
A T H E$44,222$54,185$50,898
S T R8.00%4.00%
W C J84.89%81.55%77.74%
(Zip) Code
13439

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

Map & walkability

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Listing information last refreshed 6/24/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.