Chester, NY 12817 · Warren County

This 1940 Adirondack cottage sits on Loon Lake with direct waterfront access, a private dock, and sandy beach frontage. The four-bedroom, two-bath home includes a three-season porch with lake views, two living areas, basement storage, and an attic bonus room. Part of the Vista View Association, a small lakefront community of nine properties, it offers easy access to boating, swimming, and fishing on Loon Lake. Located in the North Warren Central school district with an HOA fee of $175 monthly, this seasonal retreat is positioned for Adirondack lake living.
Seasonal Adirondack Cottage with DOCK & BEACH on LOON LAKE! Beautiful 4-bedroom, 2-bath home on picturesque Loon Lake, located in the well-established Vista View Association with just eight other homeowners. This inviting Adirondack retreat features a spacious three-season porch with panoramic lake views-perfect for morning coffee, evening cocktails, or simply taking in the peaceful surroundings. Inside, you'll find two comfortable living areas, providing plenty of space to gather with family and friends. An attic offers excellent storage along with a bonus room for additional flexibility/storage. Each cottage includes 20 feet of lake frontage with dedicated dock space, making it easy to enjoy boating, swimming, fishing, and all that Loon Lake has to offer. A great sandy beach to enjoy as well! A wonderful opportunity to own a low-maintenance seasonal getaway in the heart of the Adirondacks.
The price signals we can read on this listing today. For a true sense of value against recent Chester sales, Sharon will pull the comparable closings and walk you through them.
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The price signals we can read on this listing today. For a true sense of value against recent Chester sales, Sharon will pull the comparable closings and walk you through them.
Curious whether this home is priced right for the neighborhood?
Ask Sharon for the compsTax estimated at the Warren County rate. Insurance and PMI are estimates. Sharon can connect you with a lender for real numbers.
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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.
Chester is in Warren County, NY. There are currently 65 active listings here, ranging from $32,000 to $2,750,000. Listings in this address fall under the North Warren school district. Priced 66% above the Chester median of $286,000.
See Sharon's Chester community guideWho holds this listing, and where the data comes from.
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Gallo Realty ADK Inc · Listed by Julia Pucciarelli (50270)
Contact: 518-312-7150
MLS #202623094 · Source: Global MLS, Inc.
IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Sharon Fronk Real Estate is committed to compliance with the Fair Housing Act and provides equal opportunity in housing.
Real numbers from current MLS data. Not a third-party estimate.
Every change captured by Global MLS since this listing went live.
Public assessment record for the Chester roll · North Warren school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $409,000 | $421,600 | +3.1% |
| 2024 | $409,000 | $409,000 | +72.7% |
| 2023 | $215,500 | $236,800 | +7.1% |
| 2022 | $215,500 | $221,000 | +2.6% |
| 2021 | $215,500 | $215,500 |
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.
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 2026-09-16. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.