520 S Main Street, Out Of Area Town, NY, 12134 | $699,000

Welcome to 520 S. Main St. , originally built in 1825, colonial style meets modern living! This gorgeous, fully renovated home sits on 0. 4 acres with 200 ft. of lakefront access to the Little Lake (Northville Lake/Hunter Lake). From the minute you step to the front door of this amazing lake house you look through the French doors and have breathtaking views of the lake. The home is so open and bright with floor to ceiling windows in many rooms. Whether you are lounging in the living room, cooking in the kitchen, or eating in the breakfast nook - you can look out and watch the sun beam off the lake. There are 2 bedrooms on the first floor and 2 bedrooms on the second floor. The primary bedroom sits off the living room with floor to ceiling windows on the lake side with a full bathroom and a private entrance. Upstairs the 2 bedrooms feel like primary bedrooms with each having a full bathroom and French doors leading to the balcony, perfect for quiet time to enjoy morning coffee. Enjoy waking up to the beautiful scenery. This beautifully constructed home has plenty of room for family and friends, enjoy meals in the dining room or outside on the covered wrap around porch. With the public kayak launch just at the end of the property line you can enjoy plenty of time on the water. The Little Lake is allowed small motor boats and kayaks. With the Great Sacandaga Lake just across the street. This home is a gem for primary residence or year round vacations. Enjoy all this town has to offer like boating or kayaking in the summer and skiing or snowmobiling in the winter. Minutes walking distance to the center of the Village to enjoy the restaurants and shopping. Minutes driving to any public boat launch, beaches, or marinas.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 4 full
  • Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Style: Colonial
  • Year Built: 2021
  • Heating: Forced Air, Propane
  • Cooling: Central Air
  • Basement: Partial, Unfinished
  • Acreage: 0.4
  • Est. Taxes: $8,229
  • Lot Desc: Views
  • View: Lake, Neighborhood
  • Water Front: Yes
  • School District: Other
  • Appliances: Electric Range, Refrigerator, Tankless Water Heater
  • MLS#: 20253514
  • Days on Market: 70 days
  • Website: https://www.raveis.com
    /prop/20253514/520smainstreet_outofareatown_ny?source=qrflyer
Copyright © 2026  Hudson Valley Catskill Region MLS
Information is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively 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. Source: Hudson Valley Catskills Region
Listing courtesy of Weichert Realtors Fontaine

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
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520 S Main Street, Out Of Area Town, NY, 12134

$699,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $559,200 $559,200 $559,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.615% 5.952%
Monthly Tax Payment $686 $686 $686
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,398 $3,531 $4,644
Total Monthly Payment $4,176 $4,309 $5,422

* 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.