Welcome to 187 Lake Rd--an exceptional lake-access home completely furnished offering the perfect blend of year-round living, vacation home retreat, and Airbnb investment opportunity near beautiful Lake Onderdonk. Situated on 3.4 private acres, this property provides a rare combination of privacy, land, and water proximity, located directly across the street from the lake with convenient public lake access nearby. Tucked away in a serene, wooded setting, this move-in ready home delivers both comfort and character. The interior features a dramatic vaulted ceiling living room filled with natural light, creating an open-concept feel ideal for entertaining. A stunning loft overlooking the main living space, accessed by a striking three-story spiral staircase, adds unique architectural appeal and flexible living space--perfect for a home office, guest area, or creative studio. Additional highlights include a full basement for storage, plus two separate heating systems, offering energy efficiency and functionality for all seasons. A major value-add is the large detached garage with upgrades, featuring a second-floor apartment space with income potential. Ideal for an in-law suite, guest house, short-term rental (Airbnb), or long-term rental income, this versatile structure significantly enhances the property's investment potential. In excellent condition, this property checks all the boxes for buyers seeking a private lake-area home, multi-use property, or income-producing real estate. Don't miss this unique opportunity to own a versatile property near Lake Onderdonk with endless possibilities.
Pending
$489,000
187 Lake Road, Berne, NY 12023
4beds
2,584sqft
Single Family Residence
Built in 1978
3.4 Acres Lot
$484,700 Zestimate®
$189/sqft
$7/mo HOA
What's special
Filled with natural lightSerene wooded settingStriking three-story spiral staircaseFull basement for storageTwo separate heating systemsWater proximity
- 49 days |
- 76 |
- 1 |
Zillow last checked:
Listing updated:
Listed by:
Howard Hanna Capital, Inc. 518-371-4500,
Jillian Breck 518-225-4799
Source: HVCRMLS,MLS#: 20262184
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Bedroom
- Level: First
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Lower
Bedroom
- Level: Upper
Bathroom
- Level: First
Bathroom
- Level: Upper
Bathroom
- Level: Upper
Other
- Level: Second
Dining room
- Level: First
Family room
- Level: Lower
Kitchen
- Level: First
Living room
- Level: First
Living room
- Level: Upper
Heating
- Pellet Stove, Propane, Zoned
Cooling
- None
Appliances
- Included: Washer/Dryer, Refrigerator, Range, Oven, Dishwasher
- Laundry: In Basement
Features
- Cathedral Ceiling(s)
- Flooring: Carpet, Vinyl, Wood
- Basement: Full,Unfinished
- Number of fireplaces: 2
- Fireplace features: Living Room, Wood Burning Stove
Interior area
- Total structure area: 2,584
- Total interior livable area: 2,584 sqft
- Finished area above ground: 2,584
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: None
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Front Porch
- Exterior features: Outdoor Shower
- Fencing: Stone
- Has view: Yes
- View description: Trees/Woods, Water
- Has water view: Yes
- Water view: Water
- Body of water: Onderdunk
- Frontage type: Lakefront
Lot
- Size: 3.4 Acres
- Features: Landscaped, Level, Many Trees, Private, Sloped, Views
Details
- Additional structures: Barn(s)
- Parcel number: 422201 38.28265
- Zoning: residential
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Wood Siding
- Foundation: Block
- Roof: Asphalt,Metal,Shingle
Condition
- New construction: No
- Year built: 1978
Utilities & green energy
- Electric: 200+ Amp Service
- Sewer: Septic Tank
- Water: Well
- Utilities for property: Propane
Community & HOA
Community
- Features: None
HOA
- Has HOA: Yes
- Services included: Other
- HOA fee: $85 annually
Location
- Region: Berne
Financial & listing details
- Price per square foot: $189/sqft
- Tax assessed value: $255,000
- Annual tax amount: $4,426
- Date on market: 5/7/2026
- Road surface type: Paved
Estimated market value
$484,700
$460,000 - $509,000
$2,967/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/20/2026 | Pending sale | $489,000$189/sqft |
Source:  Global MLS #202616079 Report a problem | ||
| 4/30/2026 | Listed for sale | $489,000+71.6%$189/sqft |
Source: Global MLS #202616079 Report a problem | ||
| 10/12/2021 | Sold | $285,000$110/sqft |
Source: Global MLS #202124771 Report a problem | ||
| 9/16/2021 | Pending sale | $285,000$110/sqft |
Source: Global MLS #202124771 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $1,500 |
| 2024 | -- | $1,500 |
| 2023 | -- | $1,500 |
| 2022 | -- | $1,500 |
| 2021 | -- | $1,500 |
| 2020 | -- | $1,500 |
| 2019 | -- | $1,500 |
| 2018 | -- | $1,500 |
| 2017 | $3,701 | $1,500 |
| 2016 | -- | $1,500 |
| 2015 | -- | $1,500 |
| 2014 | -- | $1,500 |
| 2013 | -- | $1,500 |
| 2012 | -- | $1,500 |
| 2011 | -- | $1,500 |
| 2010 | -- | $1,500 |
| 2009 | -- | $1,500 |
| 2008 | -- | $1,500 |
| 2007 | -- | $1,500 |
| 2006 | -- | $1,500 |
| 2005 | -- | $1,500 |
| 2004 | -- | $1,500 |
| 2003 | -- | $1,500 |
| 2002 | -- | $1,500 |
| 2001 | -- | $1,500 |
| 2000 | -- | $1,500 |
Find assessor info on the county website
Monthly payment
Estimated monthly payment$1,822
All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 12023
Nearby schools
GreatSchools rating
- 7/10Berne Knox Westerlo Elementary SchoolGrades: PK-6Distance: 6.2 mi
- 5/10Berne Knox Westerlo Junior Senior High SchoolGrades: 7-12Distance: 6.2 mi
A local agent can set up tours, give advice and negotiate with sellers.
- New York
- Albany County
- Berne
- 12023
- 187 Lake Road
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