CCertihomes
7821 State Highway 28, Richfield, NY 13439

$629,900

4 beds 2 baths 1,980 sqft Built 19140 days on marketActive

About this home

Exquisite Canadarago Lakefront Living | 4 Beds • 1.5 Baths • 1.5+ Acres • 60 Ft of Waterfront Discover refined lakefront living with this beautifully renovated estate, nestled on over 1.5 private acres and offering an exclusive 60 feet of pristine lake frontage. From the moment you arrive, the newly manicured landscaping and fresh exterior paint create an immediate sense of elegance and curb appeal. Step inside to a thoughtfully updated interior where luxury meets comfort. The brand-new kitchen features modern finishes and high-end touches, while the renovated baths offer spa-like tranquility. With four spacious bedrooms, there’s room to host in style or simply unwind in your personal lakeside haven. Take in breathtaking panoramic views from nearly every window, or enjoy serene evenings from your outdoor living spaces with the lake as your backdrop. This property delivers the perfect balance of seclusion and sophistication, ideal for discerning buyers seeking a year-round residence or an upscale seasonal escape.

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
$5,787/mo

Real estate (PITI + HOA + PMI)
$5,229
Principal + interest$4,042
Property tax + insurance$951
PMI / 2nd mortgage$236
Utilities
$1,405
Heating + cooling$553
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$5,787/mo TLC
Budget$6,287/mo
Remaining after TLC$500/mo
Purchase price
$629,900
Down payment
$31,495 (5%)
Loan amount
$598,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique
Year built
1914
Lot size
1.57 ac
Stories
2
Heating
Electric, ForcedAir
Cooling
Water
Well
HOA
Annual tax
$3,684
MLS #
S1624487
County
Otsego

At a glance

Fireplace
Basement
Garage (2)
Waterfront

Home features

Appliances
DishwasherElectricCooktopMicrowaveOilWaterHeaterRefrigerator
Interior
EatInKitchen
Exterior
BlacktopDrivewayBalconyPorch
Parking
DetachedElectricityGarage
Flooring
Carpet, Hardwood, Varies
Roof
Asphalt, Shingle
Sewer
SepticTank

Lot features

IrregularLot, Other, SeeRemarks

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 7/22/2025. Provided courtesy of Coldwell Banker Faith Properties Il via Buffalo MLS. Information deemed reliable but not guaranteed.