About This Home

This 3-bedroom, 2-bathroom single family at 401 Lake Street in Saranac Lake, NY is listed for $399,000 ($215 per sqft). Built in 1940, the home offers 1,856 sqft of living space on a 0.25 acres lot.

Key Features

  • Built in 1940
  • 0.25 acre lot
  • 2 stories
  • 4 parking spaces
  • Fireplace

Property Details

2 stories
2 full
1-car garage
1940

Amenities

FireplaceHardwood
Listing Description

Welcome to 401 Lake Street--where Adirondack charm, comfort, and convenience come together on one of Saranac Lake's most desirable dead-end streets. From the blooming crabapple tree and inviting front entry to the warm, welcoming interior, this home offers exceptional curb appeal from the moment you arrive.

Inside, the spacious 20' x 24' living room is the heart of the home, featuring a stunning floor-to-ceiling stone fireplace with a propane insert--the perfect place to relax after a day enjoying the Adirondacks. The chef's kitchen features rich cherry cabinetry, a Thermador gas range, and opens seamlessly to the dining area and sun-filled Trex deck, creating an ideal space for entertaining family and friends.

The opportunity exists to reimagine the walkout lower level as additional living space, an in-law suite, a long-term rental, or a hosted short-term rental (subject to local regulations and approvals). Complete with its own exterior access, the lower level also includes a one-stall garage, workshop with workbench, laundry area, Buderus furnace, on-demand propane hot water heater, and abundant storage.

Designed for year-round comfort, the home offers both a three-zone fuel oil heating system and a propane heating system, each fully capable of efficiently heating the home. Upstairs you'll find three comfortable bedrooms and a full bath, while an additional 12' x 18' shed provides even more storage for outdoor equipment and Adirondack gear.

Just a short stroll away, residents enjoy access to the neighborhood's private kayak launch, offering miles of paddling through Lower Lake, the historic locks to Oseetah Lake, Lake Flower, and Middle Saranac Lake--an exceptional amenity for those who love life on the water. The Ampersand Bay Boat Annex, Dewey Mountain Recreation Center, downtown Saranac Lake, schools, restaurants, and shopping are all within a mile, offering the perfect blend of outdoor recreation and everyday convenience.

Monthly Cost Estimate

$2,134/mo

20% down · 6.5% · 30 years

Principal$289
Interest$1,729
Insurance$116

Estimates only. Actual payments may vary.

Location

401 Lake Street

Saranac Lake, NY 12983

Features & Amenities

Interior Features

Beamed CeilingsBookcasesBuilt-in FeaturesNatural WoodworkStorage

Property Details

Flooring

CarpetLinoleumHardwood

Outdoor Features

Deck

Parking

Driveway

Heating

Propane (Heating)Hot Water(Heating)

Appliances

DishwasherGas RangeMicrowaveRefrigerator

Questions & Answers

This 3-bedroom, 2-bathroom single family at 401 Lake Street is listed at $399,000 ($215/sqft). The estimated monthly payment is $2,134 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1940, 0.25 acre lot, 2 stories, 4 parking spaces, Fireplace. Interior Features: Beamed Ceilings, Bookcases, Built-in Features.

This property is listed by Julia Cotter.

JC

Julia Cotter

Agent at Say Real Estate

Listed by Say Real Estate · Broker phone: 5188917070 · View on Broker Site · Broker website

MLS# 207227· Source: Adirondack Champlain Valley MLS· 166 days on PropertySimple

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

401 Lake Street, Saranac Lake, NY 12983

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