Caroga Lake, NY 12032 · Fulton County

This Caroga Lake home in the Wheelerville school district was built in 1991 and offers 3 bedrooms and 2 baths in about 1,920 square feet on a half-acre lot, with a private dock on East Caroga and deeded water access. The interior features hardwood floors, an open floor plan, granite counters, and stainless steel appliances, with a vaulted ceiling and pellet stove. A two-car garage adds storage. The remarks note the pontoon boat and furnishings are negotiable, and mention nearby Nick Stoner Golf Course, Royal Mountain, Lapland Lake, and Wheelerville mountain biking trails.
Welcome to your dream retreat on Caroga Lake!! Nestled in the heart of the Adirondacks! This stunning 3-bedroom, 2-full-bath lake home features a Private Dock on East Caroga for easy Lake Access, Perfectly balances rustic charm with modern luxury. The residence features rich Hardwood Floors and an Open Floor Plan that maximizes space and natural light. The gourmet kitchen is a chef's delight, fully equipped with premium stainless steel appliances and sleek granite counters. Step outside to experience true waterfront living. The property boasts breathtaking lake views from your private dock on Caroga Lake, making it the perfect spot to start and end your day. To make your transition seamless, both the pontoon boat and furnishings are negotiable with the sale. The home also includes a spacious 2-car garage, providing ample storage for your vehicles and outdoor gear. Location is everything, and this property offers unparalleled year-round recreation. Enjoy boating in the summer on the pristine waters, and explore endless snowmobile trails in the winter right from your doorstep. Minutes from Nick Stoner Golf Course, Ski enthusiasts will love the proximity to Royal Mountain downhill ski mountain and Lapland Lake Cross Country Ski Area, Wheelerville Mt Biking Trails. Whether you are seeking a peaceful sanctuary or an action-packed getaway, this Caroga Lake gem offers the best of both worlds.
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The district this address is assigned to. Ratings and reviews are hosted on GreatSchools.
Assigned districts can change and are not guaranteed. Confirm enrollment boundaries with the district directly before relying on them.
Caroga Lake is in Fulton County, NY. There are currently 5 active listings here, ranging from $199,500 to $450,000. Listings in this address fall under the Wheelerville school district. Priced 70% above the Caroga Lake median of $265,000.
See Sharon's Caroga Lake community guideSharon represents buyers for this property. Your tour, offer, and inquiries go through her, not the listing brokerage.
Howard Hanna Capital Inc · Listed by Brian Miller (23695)
Contact: 518-866-9267
MLS #202619038 · Source: Global MLS, Inc.
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Every change captured by Global MLS since this listing went live.
Public assessment record for the Caroga roll · Wheelerville school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $92,500 | $276,780 | +22.4% |
| 2024 | $92,500 | $226,161 | +12.0% |
| 2023 | $92,500 | $201,965 | +13.5% |
| 2022 | $92,500 | $177,885 | +11.5% |
| 2021 | $92,500 | $159,483 |
Assessed and full market values come from the local assessor and lag the market; the tax bill is the assessed value times the town, county and school rates, which the seller’s disclosure will show. STAR and other exemptions are not reflected here.
Real numbers from current MLS data. Not a third-party estimate.
Outside FEMA-mapped flood hazard areas
This point is not inside any Special Flood Hazard Area or moderate-risk zone on the current FEMA flood map. Flood insurance is optional here and usually inexpensive.
See the official FEMA flood map for this pointSource: FEMA National Flood Hazard Layer, checked 2026-09-08. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.