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Some homes are just houses. This one is a story.
Built in 1885, Clover Valley Farm is a rare Italianate Victorian fully furnished on 20. 67 private acres in the Schoharie County countryside -- where the mountains are your backdrop, the pond is your mirror, and the silence is the luxury.
The architecture alone stops you. Bracketed cornices, broad overhanging eaves, tall narrow windows with hood moldings, and hand-painted sunburst porch panels -- every detail a testament to 1880s craftsmanship, preserved with care and standing proud. The mahogany porches were rebuilt, the roof replaced, and 26 windows updated, honoring the bones while protecting the future.
Step inside through the original mahogany double entry doors. Refinished wide-plank pine floors, a grand turned-spindle staircase, intact period woodwork, and crown molding throughout carry the kind of warmth only time itself can build. Sun pours through tall windows at every hour. The living room gathers around a gas fireplace on cold evenings; the fully updated kitchen with quartz countertops, new cabinetry, and stainless appliances opens to a breakfast room where slow mornings become a way of life. Updated electrical, a new well, tankless hot water heater, and low-profile radiators mean the infrastructure is as sound as the soul. Four spacious bedrooms with far reaching Catskill mountain views offer a quiet retreat. Two renovated baths, including a showpiece clawfoot tub with beadboard wainscoting upstairs complete the picture.
Outside, a stone patio and fenced yard are your private sanctuary -- afternoon sun lingering, evenings belonging only to you. Wake to mist rolling off the Catskills and birdsong before your first cup. In spring the air carries wildflowers; in fall the hillsides ignite. The Schoharie Beverage Trail, Mine Kill State Park, and Windham Mountain are all close by.
Albany one hour. Saratoga 90 minutes, NYC 2. 5 hours from your front porch. Close enough to everything. Far enough from all of it!
The life you've been picturing has an address. This is it.
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
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$649,990
William Raveis Real Estate
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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 | $519,992 | $519,992 | $519,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.398% | 5.614% |
| Monthly Tax Payment | $164 | $164 | $164 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,076 | $3,202 | $4,214 |
| Total Monthly Payment | $3,332 | $3,458 | $4,470 |
* 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.