11 Apache Lane
Ferndale, NY, 12734 $ 195,000
Bedrooms2 Baths1.0 Sq 526 Monthly Estimate*
$ 1,201
for $195,000 with 2 bedrooms and 1 full bath. This 526 square foot home was built in 1960 on a lot size of 0.22.
This property is being offered fully furnished at no additional cost, providing a seamless, move-in-ready experience for its next owner. Charming, updated, and ready the moment you arrive — your search for an affordable year-round lake house ends here. Welcome to 11 Apache Lane, a two-bedroom, one-bathroom home nestled in the laid-back Indian Lake Community, centered around a peaceful four-acre spring-fed lake. Whether you're looking for a full-time residence, a weekend escape, or a profitable short-term rental, this property delivers on every level. The owners have invested in meaningful improvements throughout, including a new roof, spray foam insulation under the house, a new water heater, a new mini-split system in the dining room, new heating units in the bedrooms, updated bathroom flooring, fresh interior paint, and freshly stained decks. The home has been thoughtfully maintained and is truly turn-key. Inside, you'll find a comfortable living room, an eat-in kitchen, and well-proportioned bedrooms. The layout is clean, functional, and easy to love from day one. Outdoor living is a genuine highlight here. Unwind around the firepit, relax in the hammock, rinse off in the outdoor shower after a day on the lake, or host backyard gatherings under the open sky. A charming shed with electricity has even been retrofitted as a private stargazing retreat — a one-of-a-kind feature perfect for quiet evenings beneath the stars. Just minutes away, the Bailey Trail offers a quiet, wooded walking path for nature lovers. And when you're ready to dine out, The Old Homestead Restaurant in Monticello — less than five miles away — is well known for quality meals and welcoming service. Indian Lake is a friendly, close-knit community where annual dues cover lake maintenance, common area mowing, and winter road service. The lake itself is ideal for catch-and-release fishing, swimming, and boating. The location also puts you within easy reach of some of the best the Catskills has to offer — Bethel Woods, Resorts World Casino, Kartrite Indoor Waterpark, golf courses, and endless year-round outdoor recreation. 11 Apache Lane is the complete package: affordability, comfort, and a peaceful lakeside lifestyle — delivered fully furnished and ready for you to call home.
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FeaturesInteriorInterior Amenities Other
Basement Crawl Space
Basement Features Crawl Space
Basement (Y/N) Y
Half Baths 0
Total Bedrooms 2
Total Baths 1
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GeneralSewer Public Sewer
Heating Hot Air Other
Cooling Ductless Wall/Window Unit(s)
Utilities Trash Collection Private
Appliances Electric Oven Electric Range Electric Water Heater Freezer Refrigerator
Architectural Style Cottage
Construction Materials Aluminum Siding Vinyl Siding
Year Built 1960
Property Subtype Single Family Residence
Tax Year 2025
Parcel Number 3689-041-A-0004-004-000
County Sullivan County
Property Type Residential
HOA N
Subdivision Name Indian Lake HOA
Garage Y/N N
Total Rooms 5
Full Baths 1
High School Liberty High School
City Liberty
Senior Community Y/N N
High School District Liberty
Carport Y/N N
Elementary School Liberty Elementary School
Property Attached Y/N N
Tax Annual Amount 3647.44
Middle/Junior High School Liberty Middle School
Virtual Tour https://app.nimbledragon.media/sites/qnnqeew/unbranded https://app.nimbledragon.media/sites/11-apache-ln-ferndale-ny-12734-21505106/branded
Building Area Units Square Feet
Standard Status Active
Middle/Junior School District Liberty
Elementary School District Liberty
Tax Assessed Value 43200
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ExteriorParking Features Driveway Driveway
Water Source Public
Total Parking 2
Parking Spaces 2
Waterfront Y/N N
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* Excluded FeaturesList ByIsaiah LopezListing Agent
Keller Williams Hudson ValleyBroker
Affordability Calculator
- Monthly Principal & Interest
- $1,201
- Monthly Property Taxes
- $304
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Ferndale, NY
Average List Price $377,414
Percent of Sale Price 94%
About Ferndale, NY 698 Population
-11% Since 2002
$ 53,169 Median Income
44.49 Median Age
27% Households with Children
Trends Information provided by ATTOM Data Solutions.
4099025 Elementary School
5163162 Middle School
Liberty High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 2/4/2026 | $195,000 | -2.01% | Price Down |
| 1/3/2026 | $199,000 | | Listed Price |