610 S Shore Road Speculator, NY ^$ 199,000

610 S Shore Road

^$ 199,000

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Recently Listed

610 S Shore Road

Speculator, NY, 12164

^$ 199,000

Bedrooms2 Baths2.0

Monthly Estimate*

^$ 1,257

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Single Family Home for sale in Speculator, NY

for $199,000 with 2 bedrooms and 2 full baths. This home was built in 1989 on a lot size of 0.45.

Currently zoned as a single-family residence, this property was under renovation with the intent of creating a two-family dwelling. While a building permit for a two-family conversion was issued, municipal officials are currently reviewing the property's eligibility for approval as a two-family residence; however, no approval has been granted, and there is no guarantee that such approval will be obtained. The property is being sold as a single-family home. Buyers are encouraged to perform their own due diligence with the municipality regarding zoning, permitted uses, approvals, and any requirements that may apply. If two-family approval is ultimately denied, the property may need to be completed as a single-family residence.

Single Family Active

Price

^$ 199,000

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 500

Style

Lot Size

0.45

Year Built

1989

Town/City

Speculator

County/Region

Hamilton

MLS | Web ID

202620981

Features

General

Sewer Septic Tank

Heating Electric

Cooling None

Roof Metal

Appliances Range

Garage Spaces 0.0

Architectural Style Other

Construction Materials Tex 11 Siding

Year Built 1989

Property Subtype Single Family Residence

County Hamilton

New Construction N

Property Type Residential

HOA N

Attached Garage N

Garage Y/N N

Total Rooms 6

Full Baths 2

Status Active

Directions Rt 30 North towards Speculator. Left onto Downey Ave by Camp of Woods. Slight right onto S Shore Rd. Property will be on the left.

High School Lake Pleasant

City Speculator

High School District Lake Pleasant

Lot Size Units Acres

Lot Size Square Feet 19602.0

Carport Y/N N

Elementary School Lake Pleasant

Land Lease Y/N N

Tax Annual Amount 500.0

Home Warranty Y/N N

Lease Renewal Y/N N

Additional Parcels Y/N N

Lease Considered Y/N N

Rent Control Y/N N

Standard Status Active

Tax Assessed Value 0

Tax Lot 8.000

Interior

Basement Slab

Total Fireplaces 1

Fireplace Features Wood Burning Stove

Basement (Y/N) N

Air Conditioning Y/N N

Heating Y/N Y

Fireplace Y/N Y

Above Grade Finished Area 0.0

Half Baths 0

Total Bedrooms 2

Below Grade Finished Area 0.0

Below Grade Finished Area Source See Remarks

Above Grade Finished Area Source See Remarks

Total Baths 2

Exterior

Exterior Amenities None

Parking Features Off Street Stone Driveway

Total Parking 6.0

Lot Size Area 0.45

Spa N

Lot Size Acres 0.45

Waterfront Y/N N

Crops Included Y/N N

Horse Y/N N

Irrigation Water Rights Y/N N

Internal Only

Street Number 1 610

* Excluded Features

List By

Lisa Swift

Listing Agent

Howard Hanna

Broker

(518) 669-1082

Phone

lisaswift99@gmail.com

Affordability Calculator

$1,298

Per Month

Monthly Principal & Interest: $1,257
Monthly Property Taxes: $42
Monthly Home Insurance: --

Set your offer price

Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.49% 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.

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Nearby

Trends
Schools

Single family listings in Speculator, NY

Average List Price ^$214,000

Percent of Sale Price 8%

About Speculator, NY

338 Population

-16% Since 2002

^$57,750 Median Income

55.32 Median Age

7% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

3625746 Elementary School

3061757 Middle School

Lake Pleasant High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
7/3/2026	$199,000		Listed Price

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610 S Shore Road, Speculator, NY, 12164 is a Single Family Home for sale at $199,000 with a lot size of 0.45. 610 S Shore Road has 2 bedrooms, 2.0 baths, and was built in 1989. The property's zip code is 12164 which is in Speculator, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% 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.

The data relating to real estate for sale on this web site comes in part from The Internet Data Exchange Program of ©2019 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.

Data is updated as of 7/6/2026.

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610 S Shore Road

Single Family Home for sale in Speculator, NY

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