Active

Price cut: $20K (1/26)

$479,000

106 Earles Lane, Gilboa, NY 12076

4beds

2,416sqft

Single Family Residence

Built in 1958

0.3 Acres Lot

$459,400 Zestimate^®

$198/sqft

$17/mo HOA

What's special

Fully furnished retreatViewing decksSwimming fishing kayakingDock overlooking hubbard lakeStunning lake views

Discover serenity in this remodeled 4-bedroom, 3-bath colonial home with a loft, viewing decks, and a dock overlooking Hubbard Lake, a quaint community of fewer than a dozen homes. This fully furnished retreat offers stunning lake views, ideal for relaxing on the deck or dock and watching sunsets over the water, or go swimming, fishing, kayaking, or use non-motorized boat and this sale includes the boat. With low taxes and annual association fees of only 200, it's perfect for full-time living or as a profitable Airbnb. Located within an hour's drive to Albany and Cooperstown, and just under 19 miles from Windham Mountain for skiing, this property blends tranquility with accessibility to both nature and urban amenities.

249 days

1,087

48

Tour with a local agent

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 3
Full bathrooms: 3

Bedroom

Level: Second

Bedroom

Level: Second

Bedroom

Level: Second

Bedroom

Level: Second

Bathroom

Level: Second

Bathroom

Level: First

Den

Level: First

Dining room

Level: First

Great room

Level: First

Kitchen

Level: First

Living room

Level: First

Other

Level: Second

Other

Level: First

Heating

Baseboard, Electric

Cooling

None

Appliances

Included: Water Heater, Washer, Refrigerator, Range, Microwave, Electric Water Heater, Dryer, Dishwasher
Laundry: Laundry Room

Features

Cathedral Ceiling(s), Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, High Speed Internet
Flooring: Carpet, Tile, Wood
Doors: Sliding Doors
Basement: Crawl Space

Interior area

Total structure area: 2,416
Total interior livable area: 2,416 sqft
Finished area above ground: 2,416
Finished area below ground: 0

Property

Parking

Parking features: Driveway
Has uncovered spaces: Yes

Features

Levels: Tri-Level
Patio & porch: Deck, Enclosed, Porch
Exterior features: Dock, Smart Camera(s)/Recording
Pool features: None
Fencing: None
Has view: Yes
View description: Lake, Mountain(s), Trees/Woods, Water
Has water view: Yes
Water view: Lake,Water
Waterfront features: Lake Front, Lake Privileges
Body of water: Hubbard Lake
Frontage type: Lakefront

Lot

Size: 0.3 Acres
Features: Secluded

Details

Additional structures: Shed(s)
Parcel number: 433400183633
Zoning: Res1
Special conditions: Standard
Other equipment: None

Construction

Type & style

Home type: SingleFamily
Architectural style: Colonial
Property subtype: Single Family Residence

Materials

Frame, Vinyl Siding, Other
Foundation: Block, Stone
Roof: Asphalt,Shingle

Condition

Updated/Remodeled
New construction: No
Year built: 1958

Utilities & green energy

Electric: 200+ Amp Service
Sewer: Septic Tank
Water: Well
Utilities for property: Cable Connected, Electricity Connected, Sewer Connected

Community & HOA

Community

Features: Other
Security: Carbon Monoxide Detector(s)

HOA

Has HOA: Yes
Amenities included: Other
Services included: Other
HOA fee: $200 annually

Location

Region: Gilboa

Financial & listing details

Price per square foot: $198/sqft
Tax assessed value: $113,208
Annual tax amount: $2,985
Date on market: 7/28/2025
Listing terms: Cash,Conventional,FHA,VA Loan
Electric utility on property: Yes
Road surface type: Gravel

Estimated market value

$459,400

$436,000 - $482,000

$3,049/mo

Price history

Date	Event	Price
1/26/2026	Price change	$479,000-4%$198/sqft
Source: Global MLS #202522537 Report a problem
7/26/2025	Listed for sale	$499,000-5%$207/sqft
Source: Global MLS #202522537 Report a problem
7/21/2025	Listing removed	$525,000$217/sqft
Source: NYSAMLSs #R1585235 Report a problem
1/20/2025	Listed for sale	$525,000-4.4%$217/sqft
Source: Global MLS #202510938 Report a problem
1/16/2025	Listing removed	$549,000$227/sqft
Source: Global MLS #202421529 Report a problem
9/14/2024	Price change	$549,000-5.2%$227/sqft
Source: Global MLS #202421529 Report a problem
7/17/2024	Listed for sale	$579,000-4.9%$240/sqft
Source: NYSAMLSs #R1552695 Report a problem
3/3/2024	Listing removed	--
Source: Global MLS #202324035 Report a problem
9/3/2023	Listed for sale	$609,000$252/sqft
Source: Global MLS #202324035 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	--	$1,800
2023	--	$1,800
2022	--	$1,800
2021	--	$1,800
2020	--	$1,800
2019	--	$1,800
2018	--	$1,800
2017	$3,243	$1,800
2016	--	$1,800
2015	--	$1,800
2014	--	$1,800
2013	--	$1,800
2012	--	$1,800
2011	--	$1,800 +12.5%
2010	--	$1,600
2009	--	$1,600
2008	--	$1,600
2007	--	$1,600
2006	--	$1,600 +23.1%
2005	--	$1,300 +18.2%
2004	--	$1,100
2003	--	$1,100
2002	--	$1,100 +10%
2001	--	$1,000
2000	--	$1,000

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.

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