Wake up steps from the golf course!
Welcome to your next chapter in Afton, NY—where everyday living feels like a getaway. This well-maintained 3-bedroom, 1.5-bath home sits directly across from the lake, offering peaceful water views without the waterfront price tag, and just steps from the local golf course for easy, spontaneous rounds all season long.
Step inside to find bright, open living spaces with warm wood accents and updated flooring that create an inviting, comfortable feel throughout. The spacious living room centers around a cozy fireplace—perfect for relaxing after a day on the course or enjoying quiet evenings at home. The kitchen and dining area offer plenty of room to gather, with classic cabinetry and natural light pouring in.
The walkout lower level significantly expands your living space featuring a large recreation area, built in bar, and flexible layout ideal for a rec room, home office, or dedicated guest area—plus plenty of storage. A dedicated root cellar adds additional functionality- perfect for storage, homesteading or hobby use.
Outside, enjoy a generously sized lot with mature apple trees- ideal for seasonal harvests and making your own cider- adding to the charm of this country setting. The backyard patio offers room to unwind, entertain, or simply take in the surrounding scenery.
Whether you’re looking for a full-time residence or a weekend escape, this property delivers location, lifestyle, and value in one of Afton’s most scenic settings.
Two parcels are included with the second parcel a buildable lot, offering future potential for expansion, investment or resale. A third parcel with large workshop coming to the market soon.
Choose your heating source with Wood and Electric available throughout the home. The home is equipped with generator wiring providing added convenience and peace of mind.
Live across from the lake. Walk to the course. Love where you live.
Active
$279,000
109 Afton Lake Rd, Afton, NY 13730
3beds
1,176sqft
Single Family Residence
Built in 1972
0.83 Acres Lot
$-- Zestimate®
$237/sqft
$-- HOA
What's special
Cozy fireplacePeaceful water viewsNatural light pouring inBright open living spacesBuilt in barWarm wood accentsClassic cabinetry
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Zillow last checked: 7 hours ago
Listing updated: March 31, 2026 at 08:21am
Listing by:
Benson Agency Real Estate LLC 607-432-4391,
Michele L. Frazier 607-435-8879
Source: NYSAMLSs,MLS#: R1669297
Originating MLS: Otsego-Delaware
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 3
Heating
- Electric, Wood, Baseboard, Forced Air
Appliances
- Included: Dryer, Dishwasher, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer
- Laundry: In Basement
Features
- Wet Bar, Breakfast Bar, Dining Area, Separate/Formal Living Room, Bar, Bedroom on Main Level, Main Level Primary
- Flooring: Laminate, Varies
- Basement: Finished
- Number of fireplaces: 1
Interior area
- Total structure area: 1,176
- Total interior livable area: 1,176 sqft
Video & virtual tour
Property
Parking
- Total spaces: 1
- Parking features: Attached, Garage
- Attached garage spaces: 1
Features
- Levels: One
- Stories: 1
- Exterior features: Concrete Driveway
Lot
- Size: 0.83 Acres
- Dimensions: 107 x 200
- Features: Corner Lot, Rectangular, Rectangular Lot
Details
- Parcel number: 284.214.2
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Block
Condition
- Resale
- Year built: 1972
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
- Utilities for property: High Speed Internet Available
Community & HOA
Location
- Region: Afton
Financial & listing details
- Price per square foot: $237/sqft
- Tax assessed value: $202,357
- Annual tax amount: $4,164
- Date on market: 3/30/2026
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/30/2026 | Listed for sale | $279,000$237/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | -- | $81,000 |
| 2023 | -- | $81,000 |
| 2022 | -- | $81,000 |
| 2021 | -- | $81,000 |
| 2020 | -- | $81,000 |
| 2019 | -- | $81,000 |
| 2018 | -- | $81,000 |
| 2017 | $1,221 | $81,000 |
| 2016 | -- | $81,000 |
| 2015 | -- | $81,000 |
| 2014 | -- | $81,000 |
| 2013 | -- | $81,000 |
| 2012 | -- | $81,000 |
| 2011 | -- | $81,000 |
| 2010 | -- | $81,000 |
| 2009 | -- | $81,000 |
| 2008 | -- | $81,000 |
| 2007 | -- | $81,000 |
| 2006 | -- | $81,000 |
| 2005 | -- | $81,000 |
| 2004 | -- | $81,000 |
| 2003 | -- | $81,000 |
| 2002 | -- | $81,000 |
| 2001 | -- | $81,000 |
Find assessor info on the county website
Monthly payment
Estimated monthly payment
All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 13730
Nearby schools
GreatSchools rating
- 3/10Afton Elementary SchoolGrades: PK-5Distance: 0.9 mi
- 6/10Afton Junior Senior High SchoolGrades: 6-12Distance: 0.9 mi
Schools provided by the listing agent
- District: Afton
Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 13730
- New York
- Chenango County
- Afton
- 13730
- 109 Afton Lake Rd





