CCertihomes
49 Silver Lake Spur Road, Deposit, NY 13754

$179,000

1 beds 1 baths 700 sqft Built 195024 days on marketActive

About this home

Welcome to 49 Silver Lake Spur, a cozy lakeside retreat which comes fully furnished and is nestled on a manageable 0.13 acre lot with deeded lake access to Silver Lake. The upstairs loft has two sleeping areas which can sleep up to 3 and the open concept main floor has a full-bathroom and a complete kitchen. The futon in the living area, when opened up, can accommodate an additional 2 people. The cottage is furnished with original artwork and lithograms that reflect the local area and offers a peaceful retreat for family, friends and loved ones to make a lifetime of memories. Built in 1950 it has been fully-renovated and the 700 square feet are full of rustic charm. Inside you'll find laminated hardwood floors, wall a/c units, a propane heating system and a private well and septic system. RECENT IMPROVEMENTS: include a new private well, total renovation of the plumbing system to the bathroom and kitchen, a new metal roof, and the installation of a Amish-built shed with electric. The shed can be used as additional housing, a work-from home office, or a writers shed, which is how it is being enjoyed currently. The shed is fully insulated and furnished. A very short distance away is the lake access, easy to bring a beach cart and load up your tubes and floats and refresh in the lovely waters of Silver Lake. The cottage, 49 Silver Lake Spur, is minutes from outdoor recreation like fly-fishing and kayaking on the Delaware River and offers plenty of convenience and services from nearby Hancock and Deposit villages, like groceries and restaurants and retail. Spend your summers in the Catskills and make memories on the fun and active and beautiful Silver Lake.

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
$1,819/mo

Real estate (PITI + HOA + PMI)
$1,459
Principal + interest$1,149
Property tax + insurance$243
PMI / 2nd mortgage$67
Utilities
$674
Heating + cooling$189
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$1,819/mo TLC
Budget$5,000/mo
Remaining after TLC$3,181/mo
Purchase price
$179,000
Down payment
$8,950 (5%)
Loan amount
$170,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cottage
Year built
1950
Lot size
0.13 ac
Stories
1
Heating
Gas
Cooling
WallUnits
Water
Well
HOA
Annual tax
$647
MLS #
R1624481
County
Delaware

At a glance

Air conditioning

Home features

Appliances
GasWaterHeaterPropaneWaterHeaterSeeRemarks
Interior
OtherSeeRemarksLoft
Exterior
SeeRemarksPropaneTankLeased
Parking
NoGarage
Flooring
Laminate, Varies
Sewer
SepticTank

Lot features

IrregularLot, Other, SeeRemarks

Neighborhood — 13754

MetricThis ZIPCountyUSA
Population1,83319,351,094299,088,112
Population Change Since1990-9.00%8.00%20.00%
Population Density22395
Male9159,381,926147,432,321
Female9189,969,168151,655,844
Never Married3314,946,39163,775,926
Married8447,166,701123,120,365
Separated521,159,67312,639,686
Widowed1541,110,24515,467,586
Divorced1111,210,44823,075,029
Number Of House Hold6967,102,016111,826,380
Average House Hold Size2.632.642.60
Medial Age40.9236.5335.46
Median House Hold Income$35,640$49,847$48,276
Average House Hold Income$44,774$70,032$63,629
P C I$17,014$26,569$24,529
M D I$31,599$42,210$41,133
A T H E$40,704$54,185$50,898
S T R8.00%4.00%
W C J80.00%81.55%77.74%
(Zip) Code
13754

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

Map & walkability

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Listing information last refreshed 7/24/2025. Provided courtesy of Keller Williams Upstate NY Properties via Buffalo MLS. Information deemed reliable but not guaranteed.