Charming Lake Access Cottage | 39 Loon Lake Terrace, Loon Lake, NY 12989
Priced to Sell & Ready for Summer Enjoyment! Don't miss this rare opportunity to own a piece of Adirondack history just steps from the water! Camp Speckles has been lovingly maintained by the same family since 1957 and is now being offered at an unbeatable value. This priced-to-sell, move-in-ready 3-season cottage comes with DEEDED shared beach rights to private Loon Lake—a peaceful, 3-mile-long gem known for its crystal-clear water, excellent fishing, quiet boating, and swimming.
Nestled between Lookout Mountain and Loon Lake Mountain, this tranquil setting is ideal for those seeking a true escape into nature.
The home offers one-floor living with classic hardwood flooring, a cozy gas log fireplace, and a beautiful blend of historic charm and modern updates. A spacious screened-in porch is perfect for entertaining, dining al fresco, or relaxing with a book after a day on the lake.
With deeded lake access just steps away, you can easily launch your kayak, cast a line, or take a swim in the private, quiet waters of Loon Lake—protected by the absence of a public boat launch. You'll enjoy 3 miles of pristine shoreline, serene mountain views, and a peaceful environment ideal for unplugging. The home's updated systems and timeless Adirondack style offer year-after-year enjoyment, while the flexible layout and location make it a fantastic summer escape or vacation rental investment.
This is a must-see property—schedule your private showing today and be in for the summer season!
Sold for $259,000
$259,000
39 Loon Lake Ter, Loon Lake, NY 12989
3beds
1,125sqft
Single Family Residence
Built in 1898
0.25 Acres Lot
$264,900 Zestimate®
$230/sqft
$1,892 Estimated rent
Home value
$264,900
Estimated sales range
Not available
$1,892/mo
Zestimate® history
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$1,892/mo
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$1,779/mo
Est. payment
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$1,779/mo
Est. payment
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List your homeWhat's special
Zillow last checked:
Listing updated:
Listed by:
Lisa McKenna,
Engel & Volkers Lake Placid Real Estate
Bought with:
Anne Brewer, 10401346050
Merrill L. Thomas, Inc.
Source: ACVMLS,MLS#: 204439
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Primary bedroom
- Features: Hardwood
- Level: First
- Area: 224 Square Feet
- Dimensions: 14 x 16
Bedroom 2
- Features: Hardwood
- Level: First
- Area: 168 Square Feet
- Dimensions: 14 x 12
Bedroom 3
- Features: Hardwood
- Level: First
- Area: 156 Square Feet
- Dimensions: 13 x 12
Kitchen
- Features: Laminate Counters
- Level: First
- Area: 140 Square Feet
- Dimensions: 14 x 10
Living room
- Features: Hardwood
- Level: First
- Area: 149.5 Square Feet
- Dimensions: 13 x 11.5
Other
- Description: Front porch
- Level: First
- Area: 250 Square Feet
- Dimensions: 25 x 10
Heating
- Propane
Cooling
- None
Appliances
- Included: Free-Standing Gas Range, Free-Standing Refrigerator
- Laundry: Washer Hookup
Features
- Breakfast Bar, High Ceilings
- Flooring: Hardwood, Vinyl, Wood
- Windows: Aluminum Frames
- Basement: Concrete,Dirt Floor,Full,No Inside Entry,Sump Pump,Unfinished
- Number of fireplaces: 1
- Fireplace features: Gas Log, Living Room
Interior area
- Total structure area: 2,025
- Total interior livable area: 1,125 sqft
- Finished area above ground: 1,125
- Finished area below ground: 0
Property
Parking
- Parking features: Garage
- Has garage: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Front Porch, Screened
- Pool features: None
- Fencing: None
- Has view: Yes
- View description: Trees/Woods
- Body of water: Loon Lake
- Frontage type: See Remarks
Lot
- Size: 0.25 Acres
- Features: Back Yard, Cleared, Level, Native Plants
- Topography: Level
Details
- Additional structures: Garage(s)
- Parcel number: 309.4117
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Adirondack,Cottage
- Property subtype: Single Family Residence
Materials
- Frame, Shingle Siding
- Foundation: Concrete Perimeter, Stone
- Roof: Shingle
Condition
- Year built: 1898
Utilities & green energy
- Electric: 100 Amp Service
- Sewer: Septic Tank
- Water: Well Dug
- Utilities for property: Electricity Connected, Internet Available, Water Connected, Propane, Separate Water Heater(s)
Community & HOA
Location
- Region: Loon Lake
Financial & listing details
- Price per square foot: $230/sqft
- Tax assessed value: $169,824
- Annual tax amount: $3,782
- Date on market: 12/3/2025
- Listing agreement: Exclusive Right To Sell
- Listing terms: 1031 Exchange,Cash,Conventional
- Lease term: Short Term Lease
- Electric utility on property: Yes
- Road surface type: Dirt, Gravel
Price history
| Date | Event | Price |
|---|---|---|
| 2/17/2026 | Sold | $259,000-13.4%$230/sqft |
Source:  ACVMLS #204439 Report a problem | ||
| 12/8/2025 | Pending sale | $299,000$266/sqft |
Source: ACVMLS #204439 Report a problem | ||
| 5/3/2025 | Listed for sale | $299,000-14.6%$266/sqft |
Source: ACVMLS #204439 Report a problem | ||
| 2/13/2025 | Listing removed | $350,000$311/sqft |
Source:  Engel & Volkers #202451 Report a problem | ||
| 10/28/2024 | Price change | $350,000-9.1%$311/sqft |
Source: ACVMLS #202451 Report a problem | ||
| 7/17/2024 | Listed for sale | $385,000$342/sqft |
Source: ACVMLS #202451 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $104,900 |
| 2024 | -- | $104,900 |
| 2023 | -- | $104,900 |
| 2022 | -- | $104,900 |
| 2021 | -- | $104,900 |
| 2020 | -- | $104,900 |
| 2019 | -- | $104,900 |
| 2018 | -- | $104,900 |
| 2017 | $2,004 | $104,900 |
| 2016 | -- | $104,900 |
| 2015 | -- | $104,900 |
| 2014 | -- | $104,900 |
| 2013 | -- | $104,900 |
| 2012 | -- | $104,900 |
| 2011 | -- | $104,900 +48.4% |
| 2010 | -- | $70,700 |
| 2009 | -- | $70,700 |
| 2008 | -- | $70,700 |
| 2007 | -- | $70,700 |
| 2006 | -- | $70,700 |
| 2005 | -- | $70,700 |
| 2004 | -- | $70,700 |
| 2003 | -- | $70,700 +18.8% |
| 2002 | -- | $59,500 |
| 2001 | -- | $59,500 |
Find assessor info on the county website
Neighborhood: 12989
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Nearby schools
GreatSchools rating
- 3/10Bloomingdale SchoolGrades: K-5Distance: 16.1 mi
- 7/10Saranac Lake Middle SchoolGrades: 6-8Distance: 16.1 mi
- 6/10Saranac Lake Senior High SchoolGrades: 9-12Distance: 16.1 mi
- New York
- Franklin County
- Vermontville
- 12989
- 39 Loon Lake Ter
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