Lake Luzerne, NY 12846 · Warren County

This one-bedroom, one-bath waterfront cottage sits on the Hudson River in Lake Luzerne, offering 759 square feet of living space built in 1960. The property features a river-facing upper deck with outdoor speakers, a lower dock for water access, an eat-in kitchen, pellet stove, and full bath with skylight. Two storage sheds and a converted bunkhouse provide additional space, while mature landscaping, an outdoor shower, and a private picnic area complete the grounds. Located in the Hadley-Luzerne school district with high-speed internet and no HOA, the home is currently configured as a seasonal retreat with potential for year-round conversion.
Imagine spending sunny days surrounded by breathtaking waterfront views & the peaceful rhythm of river life. This charming waterfront cottage offers the perfect retreat for relaxation, entertaining & making unforgettable memories. The expansive upper waterfront deck, complete with mounted outdoor speakers, is the ideal gathering place... Host celebrations, enjoy outdoor dining, or simply unwind with a good book. The spacious lower deck-dock invites you to soak up the sun or launch your boat to take a leisurely cruise to the popular nearby sandbar for a day of fun w/other river revelers. The cottage features a comfortable BR, a charming kitchen w/an antique Chambers stove, a cozy LR w/a pellet stove, and a full bath enhanced by a skylight. While the home has been enjoyed as a seasonal getaway, the pellet stove & existing layout provide excellent potential for conversion to year-round living w/some modifications. The property has been thoughtfully maintained w/newer windows & siding, adding to its appeal and value. 2 storage sheds provide room for equipment & water toys, while one has been creatively converted into a charming bunkhouse--perfect for additional sleeping space. The landscaped grounds offer a winding pathway leading to a private picnic area tucked behind the home, creating a peaceful park-like setting. The placement of the cottage and sheds to the north, combined with mature trees & open space to the south, provides exceptional privacy rarely found on waterfront properties. Adding to the convenience & charm, the property includes an outdoor shower. The home is being offered largely furnished & includes a collection of recreational essentials. Parking includes one on-site space w/more parking available across the street on public land. Whether you're searching for a peaceful seasonal escape or envisioning a future year-round home, this exceptional property offers the exciting & relaxed lifestyle that only a waterfront home can provide.
The price signals we can read on this listing today. For a true sense of value against recent Lake Luzerne 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 comps33 facts pulled straight from the MLS listing.
Tax estimated at the Warren County rate. Insurance and PMI are estimates. Sharon can connect you with a lender for real numbers.
Get pre-approved →Google Maps view. Pan, zoom, click a pin to read about a business or place.
Plan a multi-stop route from this address: drop-off the kid, hit the office, head home. Live traffic from Google.
Try a preset
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.
Lake Luzerne is in Warren County, NY. There are currently 37 active listings here, ranging from $49,000 to $1,585,000. Listings in this address fall under the Hadley Luzerne school district. Priced near the area median of $315,000.
See Sharon's Lake Luzerne community guideSharon represents buyers for this property. Your tour, offer, and inquiries go through her, not the listing brokerage.
Cleary Real Estate · Listed by Jennifer Cleary (6047)
Contact: 518-899-2191
MLS #202622629 · 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 Lake Luzerne roll · Hadley-Luzerne school district · Seasonal Residences
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $125,000 | $211,900 | +10.2% |
| 2024 | $125,000 | $192,300 | +13.9% |
| 2023 | $125,000 | $168,900 | +16.2% |
| 2022 | $125,000 | $145,350 | +10.4% |
| 2021 | $125,000 | $131,600 |
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 2026-09-08. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.