2395 Valley Road, Stoddard, NH, 03464 | $499,000

Offered for the first time since it was built in 1971, this cherished Highland Lake cottage, w/ ±65’ of exclusively owned waterfront, has been lovingly maintained by the same family for 55 years. From the moment you arrive, your eyes are drawn to the water. An expansive enclosed porch stretches across the lakeside of the home, offering sparkling water views, cool summer breezes, and the unmistakable call of the loons. With screened windows & removable glass inserts, it’s a space you’ll enjoy well beyond summer. The lawn leads directly to the sandy-bottom shoreline, making swimming, wading, and launching kayaks effortless. The existing 40’ dock is ready for your boat, inviting you to spend the days exploring beautiful Highland Lake, which encompasses ±700 acres over a 7-mile span and is well-known for boating, swimming, bass fishing, & year-round recreation. Inside, the main level features a cozy living room w/ wood stove, kitchen/dining area, 2 bedrooms, and ¾ bath. Upstairs are 2 additional rooms, including one w/ a private balcony overlooking the lake, that have accommodated overnight guests for years. Plenty of room to relax, gather w/ loved ones & enjoy life at the lake! Currently enjoyed as a seasonal retreat, the property offers a drilled well, insulation, electric heat & other updates including a replacement septic tank (2016) and well pump. Two detached outbuildings provide excellent storage for lawn equipment, water toys & gear. On ±. 27 acres in low-tax Stoddard, this special property is being offered fully furnished & turn-key, ready to enjoy from day one. Whether you preserve its timeless cottage charm or make it your own over time, opportunities like this don’t come along often. Located approx. 30 minutes to Hillsborough & Newport, approx. 45-50 minutes to Concord, Keene & Sunapee, and under 2 hours from Boston. Come experience the simple joys of Highland Lake, where summer days seem to last a little longer and memories are made for generations.

Features

  • Rooms: 8
  • Bedrooms: 2
  • Baths: 1 three-quarter
  • Style: Cape
  • Year Built: 1971
  • Heating: Electric,Wood Stove
  • Cooling: None
  • Basement: Partial,Sump Pump,Exterior Access
  • Approx Sq. Feet: 1,008
  • Acreage: 0.27
  • Est. Taxes: $4,362
  • Lot Desc: Beach Access,Country Setting,Deep Water Access,Lake Access,Lake Frontage,Lake View,Lakes,Trail/Near Trail,Waterfront,Wooded,Near Skiing,Near Snowmobile Trails,Near ATV Trail
  • Water Front: Yes
  • MLS#: 5100228
  • Website: https://www.raveis.com
    /prop/5100228/2395valleyroad_stoddard_nh?source=qrflyer
©2026 New England Real Estate Network, Inc. All rights reserved.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 7/21/2026
Listing courtesy of Spotlight Realty   Phone: 603-464-2899
Listing Agent: Amanda Blevens

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NMLS Mortgage Loan Originator ID 81725

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2395 Valley Road, Stoddard, NH, 03464

$499,000

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 $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.764% 5.992%
Monthly Tax Payment $364 $364 $364
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,426 $2,556 $3,315
Total Monthly Payment $2,865 $2,995 $3,754

* 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.