187 Lake Road
Berne, NY, 12023 $ 489,000
Bedrooms4 Baths2.1 Sq 2,584 Monthly Estimate*
$ 3,011
for $489,000 with 4 bedrooms and 2 full baths, 1 half bath. This 2,584 square foot home was built in 1978 on a lot size of 3.4.
Welcome to 187 Lake Rd--an exceptional lake-access home completely furnished offering the perfect blend of year-round living, vacation home retreat, and Airbnb investment opportunity near beautiful Lake Onderdonk. Situated on 3.4 private acres, this property provides a rare combination of privacy, land, and water proximity, located directly across the street from the lake with convenient public lake access nearby. Tucked away in a serene, wooded setting, this move-in ready home delivers both comfort and character. The interior features a dramatic vaulted ceiling living room filled with natural light, creating an open-concept feel ideal for entertaining. A stunning loft overlooking the main living space, accessed by a striking three-story spiral staircase, adds unique architectural appeal and flexible living space--perfect for a home office, guest area, or creative studio. Additional highlights include a full basement for storage, plus two separate heating systems, offering energy efficiency and functionality for all seasons. A major value-add is the large detached garage with upgrades, featuring a second-floor apartment space with income potential. Ideal for an in-law suite, guest house, short-term rental (Airbnb), or long-term rental income, this versatile structure significantly enhances the property's investment potential. In excellent condition, this property checks all the boxes for buyers seeking a private lake-area home, multi-use property, or income-producing real estate. Don't miss this unique opportunity to own a versatile property near Lake Onderdonk with endless possibilities.
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FeaturesGeneralSewer Septic Tank
Heating Pellet Stove Propane Zoned
Cooling None
Utilities Propane
Possession Close Of Escrow
Roof Asphalt Metal Shingle
Appliances Washer/Dryer Refrigerator Range Oven Dishwasher
Zoning residential
HOA Fee 85
Garage Spaces 2
Association Fee Includes Other
Patio/Porch Features Deck Front Porch
Architectural Style Contemporary
Construction Materials Wood Siding
Year Built 1978
Electric 200+ Amp Service
View Trees/Woods Water
Stories Count 2
Township Other
Levels Two
Property Subtype Single Family Residence
Community Features None
Assoc Fee Paid Per Annually
County Albany
New Construction false false
Property Type Residential
HOA true
Attached Garage false
Garage Y/N true
Other Structures Barn(s)
Total Rooms 14
Full Baths 2
Status Active
City Berne
Body of Water Onderdunk
Senior Community Y/N false
High School District Berne-Knox-Westerlo Central School District
MLS Area Berne
Lot Size Units Acres
Lot Size Square Feet 148104
Tax Annual Amount 4426
MLS Area Minor Berne
Structure Type None
Standard Status Active
Tax Assessed Value 255000
Tax Lot 28
Legal Description na
Senior Community false
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InteriorInterior Amenities Cathedral Ceiling(s)
Basement Full Unfinished
Flooring Carpet Vinyl Wood
Total Fireplaces 2
Fireplace Features Living Room Wood Burning Stove
Basement (Y/N) true
Air Conditioning Y/N false
Heating Y/N true
Fireplace Y/N true
Above Grade Finished Area 2584
Half Baths 1
Laundry Features In Basement
Total Bedrooms 4
Below Grade Finished Area 0
Total Baths 3
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ExteriorExterior Amenities Outdoor Shower
Fencing Stone
Parking Features None
Lot Features Landscaped Level Many Trees Private Sloped Views
Water Source Well
Lot Size Area 3.4
Foundation Details Block
Spa false
Building Area Total 2584
Lot Size Acres 3.4
Road Surface Type Paved
Frontage Type Lakefront
Waterfront Y/N true
Road Frontage Type Town
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* Excluded FeaturesList ByJillian BreckListing Agent
Howard Hanna Capital, Inc.Broker
Affordability Calculator
- Monthly Principal & Interest
- $3,011
- Monthly Property Taxes
- $369
- 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 Berne, NY
Average List Price $386,582
Percent of Sale Price 21%
About Berne, NY 2,816 Population
-1% Since 2002
$ 63,178 Median Income
49.27 Median Age
26% Households with Children
Trends Information provided by ATTOM Data Solutions.
4827338 Elementary School
0 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 5/7/2026 | $489,000 | | Listed Price |
187 Lake Road, Berne, NY, 12023 is a Single Family Home for sale at $489,000 with 2,584 sqft and a lot size of 3.4. 187 Lake Road has 4 bedrooms, 2.1 baths, and was built in 1978. The property's zip code is 12023 which is in Berne, NY