About This Home

This 2-bedroom, 1-bathroom single family at 1439 Charlotte Valley Road in Summit, NY is listed for $79,900 ($127 per sqft). Built in 1943, the home offers 630 sqft of living space on a 0.33 acres lot.

Key Features

  • Built in 1943
  • 0.33 acre lot
  • 3 parking spaces

Property Details

1 full
3 spaces
1943
Listing 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.

Monthly Cost Estimate

$427/mo

20% down · 6.5% · 30 years

Principal$58
Interest$346
Insurance$23

Estimates only. Actual payments may vary.

Location

1439 Charlotte Valley Road

Summit, NY 12175

Property Details

Construction

Drywall

Parking

Driveway

Heating

Electric (Heating)

Appliances

Electric Water HeaterRangeRefrigerator

Questions & Answers

This 2-bedroom, 1-bathroom single family at 1439 Charlotte Valley Road is listed at $79,900 ($127/sqft). The estimated monthly payment is $427 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1943, 0.33 acre lot, 3 parking spaces.

This property is listed by Gary A Morgan.

GM

Gary A Morgan

License 10301216192

Agent at Charlotteville Realty

Listed by Charlotteville Realty · Broker phone: (607) 397-9027 · View on Broker Site · Broker website

MLS# 202624883· Source: Global MLS, Inc.· 65 days on PropertySimple

Copyright © 2026 Global MLS, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

1439 Charlotte Valley Road, Summit, NY 12175

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