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Built in 1840, this Colonial with strong Gothic Revival influence offers a level of character that simply cannot be replicated. There is a quiet confidence here, an authenticity shaped by nearly two centuries of history. Original features include a brick fireplace with beehive oven, hand-hewn beams, a hidden vertical sliding stair door, pointed-arch wall niches, and Gothic Revival moulding throughout, bringing depth and personality to the main house. A clawfoot tub with circular shower curtain, custom-built antique vanity, and a high tank toilet with pull chain preserve the integrity of an era that was both bold and sophisticated. A large sunroom connects to the kitchen with a pass-through window, allowing light to pour in from an entire wall of sliders. Step onto the balcony to watch the water glisten, or settle in beside the woodstove during a snowstorm. This space works effortlessly year round. With 450 feet of frontage along Lake Todd in the no-wake zone, the property offers a calm, protected waterfront environment ideal for swimming, paddling, and enjoying local wildlife, along with your own private beach. Beyond the main residence, the property offers uncommon versatility. Unit two, a converted carriage house, includes a convenient mudroom, a large living room with hardwood floors, a private balcony, and a galley kitchen. Upstairs, there is a large bedroom, a bonus room perfect for an at home office, and a bathroom with a stand up shower. Unit three features an open concept kitchen connected to a large living room with a wood stove, along with one upstairs bedroom and bathroom. Both units are fully separate, offering strong income potential or multigenerational living while maintaining privacy. A property that brings together historic character, waterfront living, and established rental revenue, all while maintaining privacy for the primary home. Please view property's 3D tour in additional links, plus drone video of property and grounds.
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of PrimMLS. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 5/15/2026Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,120,000 | $1,120,000 | $1,120,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 6.125% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.117% | 6.235% | 6.058% |
| Monthly Tax Payment | $1,192 | $1,192 | $1,192 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,272 | $6,805 | $9,376 |
| Total Monthly Payment | $7,589 | $8,122 | $10,693 |
* 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.