For sale

$79,900

Est. $597/mo —

•

630

sq ft

1439 Charlotte Valley Rd, Summit, NY 12175

About this home

Escape to the Mountains: DIY Cottage with Seller Financing! Looking for an affordable entry into the Upstate New York market? This handyman diamond-in-the-rough is calling your name. Just needs cosmetic repairs. Situated on a manageable 0.33-acre lot, the property boasts stunning mountain views, a bubbling brook you can hear in the back, and proximity to State Land, providing the perfect backdrop for a future deck or expanded windows. Whether you want to restore the existing structure or reimagine the space entirely, this is your blank canvas. The foundation has been completely replaced with a concrete block foundation and a Bilco door. Electric has circuit breakers; heating and plumbing are good. No bank needed. The owner is offering flexible seller financing with 1/3 down payment. However, she will accept your check for payment in full. Bring your contractor, your toolkit, and your imagination to Summit, NY! Sold as-is.

Single-familyProperty Type

1943Year Built

0.33 acresLot Size

$127Price/Sq.Ft.

3 spacesParking

Listing by Gary Morgan • Charlotteville Realty LLC

•518-258-7292 (agent)

•RealtorGaryMorgan@gmail.com (agent)

Listing updated: Sep 2, 2026 at 04:47pm

Redfin checked: 2 minutes ago

•Source:Global MLS #202624883

Listing provided courtesy of Global Multiple Listing Service, Inc.

Payment calculator

$597 per month

Principal and interest$420

Property taxes

$165

HOA dues

Home insurance

$12

Utilities

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Mortgage resources

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Next available tour time: Tomorrow

Open houses

No upcoming open houses.

Nearby open houses (2)

Around this home

Schools

K - 12
Preschool & daycare

Joseph B Radez Elementary School

Public 3-5 • Assigned • 4.7mi

4/10

William H Golding Middle School

Public 6-9 • Assigned • 9.2mi

4/10

Cobleskill Richmondville High School

Public 9-12 • Assigned • 6.6mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

1439 Charlotte Valley Rd · $79,900

Strong offer

$80.54K and above

75% chance or better to win

Why $80.54K+ is a strong offer

DAYS ON MARKET

The average home goes pending in 29 days.

SALE-TO-LIST

Most homes are selling 1% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bedroom

Living

Interior features
Four total rooms
Bilco doors and exterior entry to basement

Bedrooms
Two bedrooms on the first floor

Bathrooms
One full bathroom on the first floor

Kitchen
Range
Refrigerator

Laundry & utility
Electric water heater

Heating & cooling
Forced air heating
Oil fuel

Sale and tax history for 1439 Charlotte Valley Rd

Sale History
Tax History

Date

Event

Price

Global MLS #202624883

Aug 27, 2026

Listed

$79,900

$127/sq ft

UNYREIS #R1710293

Aug 27, 2026

Listed

$79,900

$127/sq ft

Global MLS #201611109

Oct 15, 2016

Listing Removed

—

Aug 30, 2016

Price Changed

$11,000

$17/sq ft

Aug 3, 2016

Price Changed

$12,000

$19/sq ft

Jul 6, 2016

Price Changed

$13,500

$21/sq ft

Jun 1, 2016

Listed

$15,000

$24/sq ft

Public Records

Aug 11, 2006

Sold

$25,000

$40/sq ft

Year

Property tax

Land + Additions

Assessment*

2026

$1,980

$4,600 + $25,300

$29,900

2025

$1,980 (−0.2%)

$4,600 + $25,300

$29,900

2024

$1,984 (+2.2%)

$4,600 + $25,300

$29,900

2023

$1,941 (−1.7%)

$4,600 + $25,300

$29,900

2022

$1,974 (+60.1%)

$4,600 + $25,300

$29,900

2021

$1,233 (−34.4%)

$4,600 + $15,300

$19,900

2020

$1,880 (+0.3%)

$4,600 + $25,300

$29,900

2019

$1,874 (−1.0%)

$4,600 + $25,300

$29,900

2018

$1,892 (+7.1%)

$4,600 + $25,300

$29,900

2017

$1,766 (+1.4%)

$4,600 + $25,300

$29,900

2016

$1,742 (+0.1%)

$4,600 + $25,300

$29,900

2015

$1,739 (+2.8%)

$4,600 + $25,300

$29,900

2014

$1,692

$4,600 + $25,300

$29,900

Public record

Beds

Baths

Stories

Lot width

147 ft.

Lot depth

107 ft.

Lot size

0.33 Acres

Year renovated

—

Finished Sq. Ft.

630

Unfinished Sq. Ft.

—

Total Sq. Ft.

630

Year built

1943

Style

Single Family Residential

County

Schoharie County

APN

434800A11100000050020000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 4, 2026.

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

1/10 Heat Factor

7 days above 87° expected this year, 16 days in 30 years

2/10 Wind Factor

2% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Summit, NY • 12175

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

91/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

9.8 hrs

5.1 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 1439 Charlotte Valley Rd

$79,929

$29 over list price of $80K

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $47K to $235K.

SOLD AUG 7, 2026
$47,000 Last sold price
Land— sq ft
441 Dodge Lodge Rd, Richmondville, NY 12149
Listing by Country Boy Realty
larger lot
no basement
SOLD MAR 19, 2026
$139,000 Last sold price
2 beds1 bath816 sq ft
143 Main St, Richmondville, NY 12149
Listing by Keller Williams Upstate NY Properties
$43/sq ft
smaller lot
9 years newer
SOLD JUN 30, 2026
$212,000 Last sold price
2 beds1 bath831 sq ft
342 Bear Gulch Rd, Summit, NY 12175
Listing by Charlotteville Realty LLC
$128/sq ft
smaller lot
7 years newer
SOLD JUL 28, 2026
$235,000 Last sold price
3 beds1 bath936 sq ft
315 Ploss Rd, Richmondville, NY 12149
Listing by Country Boy Realty
$124/sq ft
larger lot
28 years newer
SOLD JUN 22, 2026
$188,000 Last sold price
3 beds1 bath1,500 sq ft
287 Main St, Worcester, NY 12197
Listing by Keller Williams Upstate NY Properties
$2/sq ft
smaller lot
28 years older
SOLD MAY 4, 2026
$150,000 Last sold price
3 beds1 bath768 sq ft
181 Streeter Hill Rd, Jefferson, NY 12093
Listing by Benson Agency Real Estate LLC
$68/sq ft
larger lot
37 years newer

Rental earnings

Est. $1,488 per month, based on comparable rentals

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New listings for sale in 12175

$79,900

2 beds1 bath630 sq ft

1439 Charlotte Valley Rd, Summit, NY 12175

Listing by Charlotteville Realty LLC

Details provided by Global MLS and may not match the public record. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Payment calculator

Mortgage resources

See this home in person

Nearby open houses (2)

Around this home

Schools

Lifestyle

Offer insights

Property details

Sale and tax history for 1439 Charlotte Valley Rd

Public record

Climate risks

Historical weather

Sun exposure

Redfin Estimate for 1439 Charlotte Valley Rd

Nearby similar homes

New listings for sale in 12175

More real estate resources