# 1439 Charlotte Valley Rd, Summit, NY 12175 > **TL;DR:** 2bd/1ba single family, $79,900, built 1943. > 4-car garage. Est. $427/mo. Listed 65 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $79,900 | | Bedrooms | 2 | | Bathrooms | 1 full | | Year Built | 1943 | | Lot Size | 14,375 sqft (0.33 acres) | | Garage | 4-car | | Property Type | Single Family (Other) | | Status | Pending | | Days on Market | 65 | ## Why This Home Stands Out - **Large Garage** - 4-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $404 | | Estimated Insurance | $23 | | **Total** | **$427** | ## Key Amenities - 4-car garage ## Property Highlights - Built in 1943 - 0.33 acre lot ## Description ### Agent Description 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. ## Location - **Address:** 1439 Charlotte Valley Rd, Summit, NY 12175 - **County:** Schoharie - **Coordinates:** 42.575051, -74.605052 - **Google Maps:** https://www.google.com/maps?q=42.575051,-74.605052 ## Listing Agent - **Name:** Gary Morgan - **Brokerage:** CHARLOTTEVILLE REALTY - **Broker Phone:** 6073979027 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1439-Charlotte-Valley-Rd_Summit_NY_12175_M48771-76845?f=listhub&s=NYSMLS&m=11952134&c=propsimple) ## Photos ![1439 Charlotte Valley Rd - Photo 1](http://lh.rdcpix.com/60aa9f1a99de52404a2b54e7cea69fb1l-f2532808538r.jpg) ![1439 Charlotte Valley Rd - Photo 2](http://lh.rdcpix.com/60aa9f1a99de52404a2b54e7cea69fb1l-f4039179493r.jpg) ![1439 Charlotte Valley Rd - Photo 3](http://lh.rdcpix.com/60aa9f1a99de52404a2b54e7cea69fb1l-f2290094139r.jpg) ![1439 Charlotte Valley Rd - Photo 4](http://lh.rdcpix.com/60aa9f1a99de52404a2b54e7cea69fb1l-f3377569386r.jpg) ![1439 Charlotte Valley Rd - Photo 5](http://lh.rdcpix.com/60aa9f1a99de52404a2b54e7cea69fb1l-f4264288156r.jpg) ![1439 Charlotte Valley Rd - Photo 6](http://lh.rdcpix.com/60aa9f1a99de52404a2b54e7cea69fb1l-f2753208211r.jpg) --- **MLS#:** 11952134 | **Updated:** 2026-10-26 **Source:** listhub *Copyright © 2026 My State MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/1439-charlotte-valley-rd-summit-ny-12175-968d07e6f1f3455dbbea01f1f9f88f22) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/1439-charlotte-valley-rd-summit-ny-12175-968d07e6f1f3455dbbea01f1f9f88f22#listing", "url": "https://www.propertysimple.ai/listing/1439-charlotte-valley-rd-summit-ny-12175-968d07e6f1f3455dbbea01f1f9f88f22", "name": "1439 Charlotte Valley Rd, Summit, NY 12175", "description": "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. 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