For sale

$539,000

3 beds1,154 sq ft2.39 acres

41 West Shore RdDeposit, NY 13783

Homes, condos and townhomes · MLS 11908761 · Listed 93 days ago (Jul 29, 2026)

Columbia Lake · Lake or reservoir · Waterfront, relationship not specified · Waterfront details

Report a problem

For sale: Listed and available according to the MyStateMLS feed.

About this property

Opportunity is knocking-make your dream of owning a lakefront home a reality! Built in 2011 with quality and longevity in mind, this meticulously maintained home features fully insulated 2x6 construction and a solid poured concrete foundation, making it ideal for year-round living. Offering 3 bedrooms and 2.5 bathrooms, the home combines comfort and functionality with a beautiful propane fireplace that adds warmth and ambiance. Unlike many seasonal lake properties, this home is designed to be enjoyed in every season. A propane powered generator and installed transfer switch provide peace of mind, no matter the weather. The spacious layout has comfortably accommodated gatherings of up to 10 guests, while the walkout basement provides private access and includes a secure cellar/bunker area for additional storage. Outside, you'll discover your own private lakeside retreat. Enjoy peaceful mornings and breathtaking sunsets from the expansive deck, relax on the patio or in the gazebo, or spend the day on the unique floating dock-no seasonal removal required. The property also includes an incredible electric-powered 10' x 12' floating dock, creating the perfect place to unwind on the water. With generous lake frontage and additional land offering potential for future expansion, this property is as practical as it is beautiful. Whether you enjoy fishing, swimming, kayaking, canoeing, paddleboarding, small boating, or simply floating on the lake, you'll find endless opportunities for recreation right outside your door. When you're ready to explore beyond the shoreline, you'll appreciate the area's abundance of outdoor activities, including hiking, hunting, antiquing, local festivals, and charming small-town events. The nearby East Branch is renowned for its world-class trout fishing, and the surrounding state lands provide thousands of acres for year-round adventure. Photos offer a glimpse, but nothing compares to experiencing the beauty, serenity, and exceptional quality of this property in person. This is the lake home you've been waiting for.

Description provided by the listing brokerage.

MLS-reported waterfront

Waterfront details

The listing reports the property as waterfront but does not say how it meets the water. Ask the listing agent whether the parcel itself adjoins the shoreline.

Relationship to the water
Waterfront, relationship not specified
Water body
Columbia Lake (as reported)Name as reported by the listing (not matched to a mapped water body)
Frontage length
Not provided. Ask the listing agent.
Water access arrangement
Not provided. Ask the listing agent.
Docks, slips, lifts, moorings
Dock reported
Dock depth
Not provided. Ask the listing agent.
Shoreline
Not provided. Ask the listing agent.
Seasonal or tidal conditions
Not provided. Ask the listing agent.
Boating limits (bridges, depth, open-water access)
Not provided. Ask the listing agent.

The listing reports a dock. It does not say whether the dock is private, shared or transferable, or what boats it fits.

Why this is listed as waterfront
  • WaterfrontYN “Yes”: The listing is marked waterfront.
  • WaterfrontFeatures “Lake Front”: Includes a "… Front" value describing frontage.
  • PropertyTypeDetail “residential”: Property form used to read the frontage relationship.

Classified from fields in the MyStateMLS listing data. It has not been independently verified, and it is not a survey, title examination or legal determination of shoreline or access rights. Rules version 2026-10-29.1. How we classify waterfront

Something wrong with this classification? Report a waterfront classification issue. Questions about frontage, docks or access are best answered by Donald Dwyer of HOWARD HANNA RAND REALTY.

Facts

List price
$539,000
Status
For sale
Property type
Homes, condos and townhomes
Bedrooms
3
Full baths
2
Half baths
1
Interior area
1,154 sq ft
Lot size
2.39 acres
Year built
2011
Stories
2
County
Delaware County
MLS number
11908761
Annual property tax
$3,543

Facts are reported by the listing brokerage. Items not listed were not provided; that does not mean the property lacks them.

Features

Interior

  • Master Downstairs

Exterior

  • Dock
  • Generator

Appliances

  • Washer
  • Range
  • Refrigerator
  • Dryer

Flooring

  • Tile
  • Hardwood

Basement

  • Walk-Out Access

Heating

  • Other
  • Propane

Parking

  • Driveway

Construction

  • Vinyl Siding

Roof

  • Asphalt

Sewer

  • Septic Tank

Location

The pin is the listing's reported coordinates and may be approximate. It is not a parcel boundary or shoreline, and no flood, wetland or hazard conclusion should be drawn from it. See more listings in Deposit.

Price and status history

    Changes observed by Waterfront Homes in MyStateMLS data since Oct 29, 2026. This is not a public-record sales history; MyStateMLS does not publish sold prices.

    Estimate a monthly payment

    $107,800
    Illustrative. Replace with a quote from your lender.
    From the listing. Taxes can change after a sale.
    Get a quote; rates vary widely by location.
    Manufactured homes on a leased lot.
    Applied only while the loan is over 80% of the price. Illustrative.

    Estimated monthly payment

    $3,179 per month

    Principal and interest$2,725
    Property tax$295
    Homeowners insurance$158
    Loan amount$431,200
    Total interest over the term$549,972

    An estimate for comparison only, not a loan offer or approval. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.

    Questions to ask before you buy

    Questions worth investigating for any waterfront property. They are not claims that this property has a problem or meets any condition.

    1. Who owns the shoreline and the land under the water, and are there easements or public-access rights along it?Ownership can stop at a high-water line, a survey line or a seawall. A title search and survey answer this, not the listing.
    2. Is a dock, slip, lift or mooring included, and do the rights transfer to you?Docks can be shared, leased, assigned by an association or held under a permit that does not automatically transfer.
    3. What permits exist for the dock, seawall or other shoreline structures, and what would new work require?Shoreline work is often regulated by local, state and federal agencies.
    4. How much does the water level change by season, by tide or by reservoir management?Depth at a dock in one season can differ a lot in another.
    5. What does flood insurance cost for this property, and what does the current flood map show?Get a quote from an insurer or agent. A flood zone is not a premium, and no zone does not mean no risk.
    6. What maintenance does the shoreline need (seawall, bulkhead, riprap, erosion), and what has been done recently?Shoreline structures are expensive to repair; ask for records and inspection reports.
    7. How are water, sewer or septic, and power provided?Waterfront septic systems and wells can have extra rules and inspections.
    8. How do you reach the property by road year-round, and who maintains that road?Some waterfront roads are private, seasonal or shared.
    9. What local rules apply: rentals, docks, boat lifts, fences, tree removal, setbacks?Rules come from the town, county, state, lake authority or association and vary widely.

    Printable due-diligence checklist · Ownership budget planner · FEMA Flood Map Service Center (official flood maps; look up the address yourself)

    Guides and next steps

    Listing courtesy of HOWARD HANNA RAND REALTY. Listing agent: Donald Dwyer. Listings provided by MyStateMLS.

    Listing last updated by the brokerage Sep 22, 2026, 7:28 PM UTC. Waterfront Homes last received MyStateMLS data Oct 30, 2026, 10:01 PM UTC. Information is deemed reliable but not guaranteed; verify all details with the listing agent.