# 1616 Route 292 #Cottage 12, Holmes, NY 12531 > **TL;DR:** 2bd/2ba single family, $425,000 ($472/sqft), built 1950, 900 sqft. > Fireplace, Waterfront, View, Hardwood. Est. $7,773/mo. Listed 110 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $425,000 | | Price/sqft | $472 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 900 | | Year Built | 1950 | | Lot Size | 187,308 sqft (4.30 acres) | | Stories | 1 | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 110 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Lake - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,149 | | Estimated Insurance | $124 | | HOA | $5,500 | | **Total** | **$7,773** | ## Nearby Schools - **Elementary:** Pawling Elementary School - **Middle:** Pawling Middle School - **High:** Pawling High School ## Key Amenities - Fireplace - Waterfront - View - Hardwood ## Property Highlights - Built in 1950 - 4.30 acre lot - Fireplace - Waterfront ## Description ### Agent Description $174K PRICE IMPROVEMENT!! Welcome to one of the Hudson Valley's most extraordinary hidden treasures-a private island retreat nestled in the heart of Whaley Lake, where every day feels like a vacation and every arrival feels like an escape from the ordinary. Accessible only by boat, this remarkable waterfront residence offers an exceptionally rare opportunity to own a piece of paradise within an exclusive island co-op community where properties seldom become available. From the moment you leave the mainland behind and cruise across the sparkling waters to your own private dock, you'll experience a level of peace, privacy, and seclusion that is nearly impossible to find in today's world. Surrounded by panoramic lake views and embraced by nature, this charming island getaway captures the essence of lakefront living at its finest. Wake each morning to shimmering sunrises dancing across the water, spend your days boating, swimming, fishing, or simply relaxing lakeside, and unwind in the evening as spectacular sunsets paint the sky in brilliant colors reflected across the lake's glassy surface. Inside, the home exudes warmth, comfort, and timeless lake-house charm. Thoughtfully designed for both relaxation and entertaining, the residence features two bedrooms, a spacious sleeping loft, and two beautifully renovated full bathrooms. Comfortable gathering spaces invite friends to create lasting memories, while expansive lake views serve as the backdrop to nearly every moment. Whaley Lake is one of Dutchess County's premier motorboat lakes, offering endless recreational opportunities and year-round natural beauty. Located less than 90 miles from New York City, this unique property provides the perfect weekend sanctuary, summer retreat, or lifestyle investment for those seeking a truly one-of-a-kind waterfront experience. As an added bonus, the home is being offered almost fully furnished, allowing you to begin enjoying island life immediately. Opportunities of this caliber are extraordinarily rare. This isn't simply a home-it's a lifestyle, a retreat, and a legacy property that offers an experience few will ever have the chance to own. Schedule your private showing today and discover why life on Whaley Lake is unlike anywhere else. Seller financing feasible! ## Location - **Address:** 1616 Route 292 #Cottage 12, Holmes, NY 12531 - **County:** Dutchess County - **Coordinates:** 41.561054, -73.663605 - **Google Maps:** https://www.google.com/maps?q=41.561054,-73.663605 ## Listing Agent - **Name:** Julie C. Conner - **Brokerage:** eXp Realty - **Phone:** 2033001358 - **Broker Phone:** (888) 276-0630 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1616-Route-292_Holmes_NY_12531_M96026-68748?f=listhub&s=MLSLINY&m=1011452&c=propsimple) ## Photos ![1616 Route 292 #Cottage 12 - Photo 1](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f2924809589r.jpg) ![1616 Route 292 #Cottage 12 - Photo 2](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1271713274r.jpg) ![1616 Route 292 #Cottage 12 - Photo 3](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f128731533r.jpg) ![1616 Route 292 #Cottage 12 - Photo 4](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3576702552r.jpg) ![1616 Route 292 #Cottage 12 - Photo 5](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f2234276574r.jpg) ![1616 Route 292 #Cottage 12 - Photo 6](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f4145440282r.jpg) ![1616 Route 292 #Cottage 12 - Photo 7](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f4129121785r.jpg) ![1616 Route 292 #Cottage 12 - Photo 8](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f125247619r.jpg) ![1616 Route 292 #Cottage 12 - Photo 9](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3279323443r.jpg) ![1616 Route 292 #Cottage 12 - Photo 10](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f2647508989r.jpg) ![1616 Route 292 #Cottage 12 - Photo 11](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3705163860r.jpg) ![1616 Route 292 #Cottage 12 - Photo 12](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f413395811r.jpg) ![1616 Route 292 #Cottage 12 - Photo 13](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f880700854r.jpg) ![1616 Route 292 #Cottage 12 - Photo 14](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1961225771r.jpg) ![1616 Route 292 #Cottage 12 - Photo 15](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f442008149r.jpg) ![1616 Route 292 #Cottage 12 - Photo 16](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f815493175r.jpg) ![1616 Route 292 #Cottage 12 - Photo 17](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1748191949r.jpg) ![1616 Route 292 #Cottage 12 - Photo 18](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3837280901r.jpg) ![1616 Route 292 #Cottage 12 - Photo 19](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f609199280r.jpg) ![1616 Route 292 #Cottage 12 - Photo 20](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f13250609r.jpg) ![1616 Route 292 #Cottage 12 - Photo 21](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f2682524005r.jpg) ![1616 Route 292 #Cottage 12 - Photo 22](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1436691420r.jpg) ![1616 Route 292 #Cottage 12 - Photo 23](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3527330252r.jpg) ![1616 Route 292 #Cottage 12 - Photo 24](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1530105900r.jpg) ![1616 Route 292 #Cottage 12 - Photo 25](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1175215773r.jpg) ![1616 Route 292 #Cottage 12 - Photo 26](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3672510379r.jpg) ![1616 Route 292 #Cottage 12 - Photo 27](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1077173588r.jpg) ![1616 Route 292 #Cottage 12 - Photo 28](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3488864697r.jpg) ![1616 Route 292 #Cottage 12 - Photo 29](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f224450450r.jpg) ![1616 Route 292 #Cottage 12 - Photo 30](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f173283098r.jpg) ![1616 Route 292 #Cottage 12 - Photo 31](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1906834510r.jpg) ![1616 Route 292 #Cottage 12 - Photo 32](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3719946825r.jpg) ![1616 Route 292 #Cottage 12 - Photo 33](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1793552254r.jpg) ![1616 Route 292 #Cottage 12 - Photo 34](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1776791833r.jpg) ![1616 Route 292 #Cottage 12 - Photo 35](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3023830648r.jpg) ![1616 Route 292 #Cottage 12 - Photo 36](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3709356897r.jpg) ![1616 Route 292 #Cottage 12 - Photo 37](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3933298610r.jpg) ![1616 Route 292 #Cottage 12 - Photo 38](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f4168624243r.jpg) ![1616 Route 292 #Cottage 12 - Photo 39](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1703497887r.jpg) ![1616 Route 292 #Cottage 12 - Photo 40](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1325143196r.jpg) ![1616 Route 292 #Cottage 12 - Photo 41](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f2374568600r.jpg) ![1616 Route 292 #Cottage 12 - Photo 42](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3150907235r.jpg) ![1616 Route 292 #Cottage 12 - Photo 43](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1410041429r.jpg) ![1616 Route 292 #Cottage 12 - Photo 44](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f569814506r.jpg) ![1616 Route 292 #Cottage 12 - Photo 45](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1477933189r.jpg) ![1616 Route 292 #Cottage 12 - Photo 46](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f2780522491r.jpg) ![1616 Route 292 #Cottage 12 - Photo 47](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3398380731r.jpg) ![1616 Route 292 #Cottage 12 - Photo 48](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f3967029678r.jpg) ![1616 Route 292 #Cottage 12 - Photo 49](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1857910044r.jpg) ![1616 Route 292 #Cottage 12 - Photo 50](http://lh.rdcpix.com/513fce7e725a55bb3ea6320574881212l-f1401264161r.jpg) --- **MLS#:** 1011452 | **Updated:** 2026-09-18 **Source:** listhub *Copyright © 2026 OneKey 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/1616-route-292-holmes-ny-12531-1011452) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/1616-route-292-holmes-ny-12531-1011452#listing", "url": "https://www.propertysimple.ai/listing/1616-route-292-holmes-ny-12531-1011452", "name": "1616 Route 292 #Cottage 12, Holmes, NY 12531", "description": "$174K PRICE IMPROVEMENT!! Welcome to one of the Hudson Valley's most extraordinary hidden treasures-a private island retreat nestled in the heart of Whaley Lake, where every day feels like a vacation and every arrival feels like an escape from the ordinary. Accessible only by boat, this remarkable waterfront residence offers an exceptionally rare opportunity to own a piece of paradise within an exclusive island co-op community where properties seldom become available. From the moment you leave the mainland behind and cruise across the sparkling waters to your own private dock, you'll experience a level of peace, privacy, and seclusion that is nearly impossible to find in today's world. Surrounded by panoramic lake views and embraced by nature, this charming island getaway captures the essence of lakefront living at its finest. Wake each morning to shimmering sunrises dancing across the water, spend your days boating, swimming, fishing, or simply relaxing lakeside, and unwind in the evening as spectacular sunsets paint the sky in brilliant colors reflected across the lake's glassy surface. Inside, the home exudes warmth, comfort, and timeless lake-house charm. Thoughtfully designed for both relaxation and entertaining, the residence features two bedrooms, a spacious sleeping loft, and two beautifully renovated full bathrooms. Comfortable gathering spaces invite friends to create lasting memories, while expansive lake views serve as the backdrop to nearly every moment. Whaley Lake is one of Dutchess County's premier motorboat lakes, offering endless recreational opportunities and year-round natural beauty. Located less than 90 miles from New York City, this unique property provides the perfect weekend sanctuary, summer retreat, or lifestyle investment for those seeking a truly one-of-a-kind waterfront experience. As an added bonus, the home is being offered almost fully furnished, allowing you to begin enjoying island life immediately. Opportunities of this caliber are extraordinarily rare. This isn't simply a home-it's a lifestyle, a retreat, and a legacy property that offers an experience few will ever have the chance to own. 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