CCertihomes
106 Earles Lane, Gilboa, NY 12076

$499,000

4 beds 3 baths 2,416 sqft Built 19581 days on marketActive

About this home

Imagine coming home to this Lake Front Oasis. This remodeled 4-bedroom, 3-bath colonial home has loft, upper viewing deck, lower deck overlooking lake and a dock. The home comes fully furnished and includes a row boat too, so pack your bags, this home is move in ready! Enjoy sunsets on the lake and the beauty of all four seasons. This quaint community has about a dozen homes and only $200 per year Lake Association dues, Perfect for full-time living or Air BnB. Within an hour of Albany, Oneonta-Cooperstown areas and just 19 miles to Windham Ski Center and 29 miles to Hunter Mountain. Why not enjoy the good life, everyday!

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
$4,861/mo

Real estate (PITI + HOA + PMI)
$4,218
Principal + interest$3,202
Property tax + insurance$812
HOA$17
PMI / 2nd mortgage$187
Utilities
$1,517
Heating + cooling$612
Internet + TV + phone$127
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$127
$4,861/mo TLC
Budget$5,361/mo
Remaining after TLC$500/mo
Purchase price
$499,000
Down payment
$24,950 (5%)
Loan amount
$474,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
ChaletAlpine, Contemporary, Colonial
Year built
1958
Lot size
0.3 ac
Stories
3
Heating
Electric, Baseboard
Cooling
Water
Well
HOA
$200 / Annually
Annual tax
$2,985
MLS #
R1625911
County
Schoharie

At a glance

Waterfront

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeElectricWaterHeaterMicrowaveRefrigeratorWasher
Interior
AtticCeilingFansCathedralCeilingsEatInKitchenFurnishedGreatRoomLivingDiningRoomWindowTreatmentsLoft
Exterior
BarbecueDeckGravelDriveway
Parking
NoGarage
Flooring
Carpet, Hardwood, Tile, Varies
Roof
Asphalt, Shingle
Sewer
SepticTank

Lot features

IrregularLot, Other, SeeRemarks

Neighborhood — 12076

MetricThis ZIPCountyUSA
Population93619,351,094299,088,112
Population Change Since1990-9.00%8.00%20.00%
Population Density12395
Male4759,381,926147,432,321
Female4619,969,168151,655,844
Never Married1934,946,39163,775,926
Married4677,166,701123,120,365
Separated271,159,67312,639,686
Widowed621,110,24515,467,586
Divorced661,210,44823,075,029
Number Of House Hold3587,102,016111,826,380
Average House Hold Size2.512.642.60
Medial Age44.1536.5335.46
Median House Hold Income$38,189$49,847$48,276
Average House Hold Income$44,513$70,032$63,629
P C I$17,296$26,569$24,529
M D I$33,242$42,210$41,133
A T H E$40,529$54,185$50,898
S T R8.00%4.00%
W C J74.58%81.55%77.74%
(Zip) Code
12076

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

Map & walkability

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Listing information last refreshed 7/27/2025. Provided courtesy of Keller Williams Realty Hudson Valley North via Buffalo MLS. Information deemed reliable but not guaranteed.