9 Lilly Avenue, Shandaken, NY, 12464 | $325,000

Step into this lovable 1950s waterfront cottage, perched ''high and dry'' above the water and along a quiet private country lane with dreamy Catskills views galore. Just a few minutes from the enchanting village of Phoenicia, this move-in-ready gem offers easy, low-maintenance living, so you can spend more time enjoying the lifestyle you've been dreaming of. You will love waking to the gentle sounds of nature and the babbling brook just below. Inside, the home is currently set up with an oversized bedroom and a bright, inviting office, but can easily be reimagined as a two-bedroom retreat. With high-speed internet available from both Spectrum and MTC, working from home or in the backyard feels comfortable and effortless. The open floor plan is warm and welcoming, centered around a lovely brick fireplace with a cozy propane insert. Outside, a spacious yard invites you to relax and unwind, complete with a lounging area, fire pit, and shed. The double lot offers endless possibilities - create your dream garden, a dog run, or maybe even an addition. Meander down to the water, a branch of the mighty Esopus, for a refreshing dip, all while enjoying the peace of mind that comes from the house being safely outside the flood zone. When adventure calls, you're moments from some of the region's best fly fishing and swimming holes, as well as miles of scenic hiking trails. Belleayre Mountain is just 15 minutes away, and beloved local spots like Phoenicia Diner, Bettina, Peekamoose, and The Pines are all within easy reach. Immerse yourself in the vibrant local community with events at the Phoenicia Playhouse and marvelous library, and browsing charming shops and the lively weekly farmers market. And when you need a city fix, NYC is just a two-hour drive - or an easy ride via Trailways. This is more than a home, it's your invitation to embrace the addictive magic of small-town living and a life of peacefulness and beauty. #phoeniciany #cottagecore #cabincore #phoenicia

Features

  • Bedrooms: 2
  • Baths: 1 full
  • Style: Cottage
  • Year Built: 1950
  • Heating: Baseboard, Fireplace Insert, Propane
  • Basement: Crawl Space
  • Acreage: 0.43
  • Est. Taxes: $2,598
  • Lot Desc: Back Yard, Front Yard, Landscaped, Level, Meadow, Sloped
  • View: Mountain(s), Rural, Water
  • Water Front: Yes
  • School District: Onteora
  • Appliances: Electric Water Heater, Gas Range, Refrigerator
  • MLS#: 20261949
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /prop/20261949/9lillyavenue_shandaken_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 Ruth Gale Realty

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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
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9 Lilly Avenue, Shandaken, NY, 12464

$325,000

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 $260,000 $260,000 $260,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $217 $217 $217
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,601 $1,642 $2,159
Total Monthly Payment $1,892 $1,933 $2,450

* 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.