Under contractReduced $135,000 from $625,000

$490,000

4 beds2,491 sq ft0.8 acres

1070 Oswegatchie Trail Rd.Star Lake, NY 13690

Homes, condos and townhomes · MLS 11885618 · Listed 104 days ago (Jul 18, 2026)

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

Report a problem

Under contract: The seller has accepted an offer with conditions. Some sellers still accept backup offers.

About this property

Don't miss this beachfront, charming home! Live in it, or Rent it out, this charming, large furnished home has a PRIVATE BEACH! Located at 1070 Oswegatchie Trail Rd, Star Lake, this 2,491 sq ft, 4-bedroom year-round grand home sits on a calm bay of scenic Star Lake nestled within the Adirondack Mountains. This property offers a peaceful setting, in a quiet bay, offering all utilities; Water, septic, electricity and high-speed internet. The main level features a full bath, an eat-in kitchen with pantry, and a formal dining room with vaulted ceilings, overlooking the lake. When entering the home from the front porch, you will step into a large living room with plenty of natural light, another "parlor" or "den" across the hall with a 3-seat window bench with storage below. Through the parlor is an office space and a full bathroom. Patio doors in the eat-in kitchen open to a well-manicured lawn and a private beach, with sandy bottoms. The floating dock is a short distance from the shore and there are a canoe and rowboat awaiting your lake adventure. With 138 feet of prime waterfront on Star Lake, the property boasts a serene shoreline and flowing wildflowers. The upstairs includes 3 bedrooms, and a Master bedroom with full bathroom and walk-in closet. There is another large bathroom with walk-up Jacuzzi Tub situated by stained glass windows. The home includes a detached two-car garage for vehicles and recreational equipment, as well as a partial, dry basement for more storage. On the lakeside of the home is a Generac whole house automatic generator. The Star Lake area is a true gem of the Adirondacks. People visit the area from all over the world to take in its 213-acre, crystal clear waters, offering boating pleasures, motorized floating docks, and canoeing. Many sun rises and sun sets can be seen while paddling on the lake. The "catch of the day" might be northern pike, various trout or salmon which are stocked annually. Nearby is easy access to several trails for hiking, the Cranberry Lake 50 hiking adventure, ATV and Snowmobile trails. The area is surrounded by pristine wilderness, local waterfalls and other nearby Adirondack destinations like the Five Ponds Wilderness. This prime lake location is priced to sell!

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
Star Lake (as reported)Name as reported by the listing (not matched to a mapped water body)
Frontage length
"140" (unit not stated)
Water access arrangement
Not provided. Ask the listing agent.
Docks, slips, lifts, moorings
Not provided. Ask the listing agent.
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.
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 Marcy Blackmer of NY OUTDOOR REALTY LLC.

Facts

List price
$490,000
Original list price
$625,000
Status
Under contract
Property type
Homes, condos and townhomes
Bedrooms
4
Full baths
3
Interior area
2,491 sq ft
Lot size
0.8 acres
Year built
1890
Stories
2
Garage spaces
2
County
St. Lawrence County
MLS number
11885618

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

Features

Interior

  • Walk-In Closet(s)

Exterior

  • Generator

Appliances

  • Washer
  • Stainless Steel Appliance(s)
  • Range
  • Microwave
  • Water Heater
  • Refrigerator
  • Dishwasher

Flooring

  • Laminate
  • Carpet

Basement

  • Walk-Out Access
  • Unfinished

Heating

  • Forced Air
  • Oil

Construction

  • Vinyl Siding

Roof

  • Asphalt

Water

  • Public (Water Source)

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 Star Lake.

Price and status history

  • Original list price reported by the brokerage: $625,000

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

$98,000
Illustrative. Replace with a quote from your lender.
Estimate. Check the county assessor for the actual amount.
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

$3,028 per month

Principal and interest$2,478
Property tax$408
Homeowners insurance$142
Loan amount$392,000
Total interest over the term$499,974

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 NY OUTDOOR REALTY LLC. Listing agent: Marcy Blackmer. Listings provided by MyStateMLS.

Listing last updated by the brokerage Sep 13, 2026, 1:29 AM UTC. Waterfront Homes last received MyStateMLS data Oct 30, 2026, 4:31 PM UTC. Information is deemed reliable but not guaranteed; verify all details with the listing agent.