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Nestled along the banks of the famed Willowemoc Creek in the heart of Roscoe, New York—widely known as “Trout Town USA”—this charming American Foursquare home offers the perfect blend of historic character and exceptional riverfront living. With 4 bedrooms, 2 bathrooms, and approximately 1, 524 square feet, this beautifully maintained property sits on a peaceful stretch of the creek with private river frontage and direct access to some of the region’s most celebrated trout waters. Inside, the home was painted within the last 2. 5 years, both bathrooms are updated, most of the house has new flooring, while the kitchen/dining area and downstairs bathroom feature radiant heated floors for year-round comfort. The living room includes preparation and venting for a pellet stove, offering an easy option for additional warmth and cozy ambiance. Both the front and back porches have been rebuilt, one finished with durable Trex decking, creating ideal spaces to relax while overlooking the property and listening to the river. Downstairs, a restaurant-grade water filtration system enhances water quality throughout the home. The water heater and boiler are both under 10 years old, and a new furnace was installed in 2017. Additional improvements include replacement windows, a roof installed in 2010, and professional excavation around the home 2. 5 years ago to optimize drainage. A full walk-up attic provides exciting possibilities—perfect for creating a third-floor guest suite, studio, or private retreat. Outside, the property feels like a small riverside sanctuary. Concord grapes and rhubarb grow naturally on the land, complemented by fruit trees, flower gardens, and a lush lawn stretching toward the river beneath the sweeping branches of mature willows. Set on a quiet private dead-end road that is paved and maintained by the town, the home offers both privacy and convenience. Beyond the property, Roscoe and the surrounding Catskills provide endless recreation. Spend your nights at Catskill Resort Casino and your days fly fishing on Willowemoc Creek and the nearby Beaver Kill, hiking in Catskill Park, exploring local breweries, or skiing at Holiday Mountain Ski and Fun Park. With charming shops, farm markets, and restaurants, Roscoe perfectly balances small-town charm with world-class outdoor adventure. Rich with character, this classic American Foursquare riverfront home offers Catskills living at its finest—historic charm, thoughtful improvements, and legendary trout fishing right outside your door.
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Our Executive Mortgage Banker:
$325,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $260,000 | $260,000 | $260,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.500% | 5.710% |
| Monthly Tax Payment | $323 | $323 | $323 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,538 | $1,622 | $2,123 |
| Total Monthly Payment | $1,935 | $2,019 | $2,520 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.