# 1439 Charlotte Valley Road, Summit, NY 12175 > **TL;DR:** 2bd/1ba single family, $79,900 ($127/sqft), built 1943, 630 sqft. Est. $427/mo. Listed 67 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $79,900 | | Price/sqft | $127 | | Bedrooms | 2 | | Bathrooms | 1 full | | Square Feet | 630 | | Year Built | 1943 | | Lot Size | 14,375 sqft (0.33 acres) | | Property Type | Single Family (Single Family Residence) | | Status | Pending | | Days on Market | 67 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $404 | | Estimated Insurance | $23 | | **Total** | **$427** | ## Property Highlights - Built in 1943 - 0.33 acre lot - 3 parking spaces ## 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 Road, Summit, NY 12175 - **County:** Schoharie - **Coordinates:** 42.575041, -74.605043 - **Google Maps:** https://www.google.com/maps?q=42.575041,-74.605043 ## Virtual Tour & Media - **Video Tour:** https://app.doaudiotours.com/unbranded?id=29209&lang=en-US ## Listing Agent - **Name:** Gary A Morgan · **License:** 10301216192 - **Brokerage:** Charlotteville Realty - **Broker Phone:** (607) 397-9027 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1439-Charlotte-Valley-Rd_Summit_NY_12175_M48771-76845?f=listhub&s=CRMLSNY&m=202624883&c=propsimple) ## Photos ![1439 Charlotte Valley Road - Photo 1](http://lh.rdcpix.com/0dbedb655afe1f3f4f7b2f045952dad6l-f2656341059r.jpg) ![1439 Charlotte Valley Road - Photo 2](http://lh.rdcpix.com/0dbedb655afe1f3f4f7b2f045952dad6l-f2488937270r.jpg) ![1439 Charlotte Valley Road - Photo 3](http://lh.rdcpix.com/0dbedb655afe1f3f4f7b2f045952dad6l-f623417784r.jpg) ![1439 Charlotte Valley Road - Photo 4](http://lh.rdcpix.com/0dbedb655afe1f3f4f7b2f045952dad6l-f1558222709r.jpg) ![1439 Charlotte Valley Road - Photo 5](http://lh.rdcpix.com/0dbedb655afe1f3f4f7b2f045952dad6l-f2097501500r.jpg) ![1439 Charlotte Valley Road - Photo 6](http://lh.rdcpix.com/0dbedb655afe1f3f4f7b2f045952dad6l-f1972753854r.jpg) --- **MLS#:** 202624883 | **Updated:** 2026-10-27 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/1439-charlotte-valley-road-summit-ny-12175-2ea569468ae64071b11d6b335a52ddba) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/1439-charlotte-valley-road-summit-ny-12175-2ea569468ae64071b11d6b335a52ddba#listing", "url": "https://www.propertysimple.ai/listing/1439-charlotte-valley-road-summit-ny-12175-2ea569468ae64071b11d6b335a52ddba", "name": "1439 Charlotte Valley Road, 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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