# 320 Merchant Road, Jefferson, NY 12093

> **TL;DR:** 3bd/2ba single family, $789,900 ($397/sqft), built 1860, 1,992 sqft.
> Fireplace, View, Hardwood, A/C. Est. $4,224/mo. Listed 95 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $789,900 |
| Price/sqft | $397 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,992 |
| Year Built | 1860 |
| Lot Size | 3,920,400 sqft (90.00 acres) |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 95 |

## Why This Home Stands Out

- **Views** - Water
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,994 |
| Estimated Insurance | $230 |
| **Total** | **$4,224** |

## Key Amenities

- Fireplace
- View
- Hardwood
- A/C

## Property Highlights

- Built in 1860
- 90.00 acre lot
- 10 parking spaces
- Fireplace

## Description

### Agent Description
90 Acres of Breathtaking Panoramic Perfection. Experience the ultimate country lifestyle in this thoughtfully enhanced 3-bedroom, 3-bath estate. Designed for both grand entertaining and intimate relaxation, the home features a desirable first-floor bedroom suite and a finished walk-out basement with a contemporary family room and bath. The property's 90 acres offer a diverse landscape of rolling hills, a peaceful pond, and a traditional barn perfect for hobby farming. The modern outdoor living space-highlighted by a unique heated glass-window pool-offers a resort-like experience with a backdrop of sweeping valley vistas. Private, sophisticated, and undeniably rare.

## Location

- **Address:** 320 Merchant Road, Jefferson, NY 12093
- **County:** Schoharie
- **Coordinates:** 42.5026, -74.599319
- **Google Maps:** https://www.google.com/maps?q=42.5026,-74.599319

## Virtual Tour & Media

- **Video Tour:** https://app.doaudiotours.com/unbranded?id=25302&lang=en-US

## Listing Agent

- **Name:** Matthew Loder · **License:** 10311204132
- **Brokerage:** Country Boy Realty
- **Phone:** 5183781235
- **Broker Phone:** (518) 234-4371
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/320-Merchant-Rd_Jefferson_NY_12093_M30171-81868?f=listhub&s=CRMLSNY&m=202619252&c=propsimple)

## Photos

![320 Merchant Road - Photo 1](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f977482229r.jpg)

![320 Merchant Road - Photo 2](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f99893115r.jpg)

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![320 Merchant Road - Photo 33](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f2113121955r.jpg)

![320 Merchant Road - Photo 34](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f2429482231r.jpg)

![320 Merchant Road - Photo 35](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f2573797906r.jpg)

![320 Merchant Road - Photo 36](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f2884346531r.jpg)

![320 Merchant Road - Photo 37](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f3166721455r.jpg)

![320 Merchant Road - Photo 38](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f1119272432r.jpg)

![320 Merchant Road - Photo 39](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f3965700836r.jpg)

![320 Merchant Road - Photo 40](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f1528989581r.jpg)

![320 Merchant Road - Photo 41](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f662230110r.jpg)

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![320 Merchant Road - Photo 43](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f13909232r.jpg)

![320 Merchant Road - Photo 44](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f2369072493r.jpg)

![320 Merchant Road - Photo 45](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f935081367r.jpg)

![320 Merchant Road - Photo 46](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f1264468496r.jpg)

![320 Merchant Road - Photo 47](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f3883757088r.jpg)

![320 Merchant Road - Photo 48](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f3891520405r.jpg)

![320 Merchant Road - Photo 49](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f3548963294r.jpg)

![320 Merchant Road - Photo 50](http://lh.rdcpix.com/30c5ca608b5be6aa758620e7d7931271l-f130548033r.jpg)

---

**MLS#:** 202619252 | **Updated:** 2026-09-12
**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/320-merchant-road-jefferson-ny-12093-02619252)

---

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