Property Description

Charlotte Creek Riverfront Retreat — 6.62 Acres, True River Frontage

The porch, the gardens, and every window on the eastern side of the house frame the same thing: Charlotte Creek, a hundred yards below, moving steadily past a cornfield and up toward the Catskill foothills. Watch it long enough and you understand why this lot was chosen over every other one on the road.

The Setting

The house sits behind a three-board fence along a quiet, town-maintained country road, its perennial gardens carrying color through every season and a small water pump marking the front yard. A newly resealed blacktop driveway runs to the attached two-car garage, then loops in a small U to a detached 24’ x 24’ garage — salt-box style, New England in feel, with a long overhang at the back for wood storage.

Behind the house, the land tells the real story. From the arched front porch, the yard drops in a roughly 50-foot slope to a terrace some 100 yards below, then to the edge of Charlotte Creek itself. The water moves steadily past — riffles over rock, a small eddy that could double as a swimming hole before it rejoins the main current — with a cornfield and tree line on the far bank, and the foothills of the Catskills rising in the distance. Sunrise to sunset, it’s the kind of view that creates a scene you may never want to leave.

Main Level Living Spaces

The living room is the centerpiece: large slider doors open to the porch, with a largely unobstructed view of the river and mountains beyond — especially striking at sunrise and sunset. A white enamel gas-log fireplace anchors the room and a Mitsubishi mini-split handles most of the home’s cooling needs from this central point. From here you can take in the driveway, gardens, detached garage, the sloping yard, and the river and riffles beyond.

The formal dining area has its own bay window toward the river, plus a three-part crank-out casement window facing the driveway, the detached garage, and the field across Charlotte Creek Road.

Off the center hall from the living room: a guest bath with a single sink, a large mirror lit by a three-light fixture, and a low-rise tub/shower combo (fiberglass insert, Delta fixtures) with electric baseboard heat. The two back bedrooms are generously sized, with scalloped woodwork above the closet doors and electric baseboard heat in each; the smaller of the two has a window facing the river.

Solid, unfinished wood doors with a light spar varnish run throughout, giving the house a warm, consistent character.

Kitchen & Dining

The kitchen has 2’ x 1’ gray tile flooring, solid custom cabinetry with square brass knobs, and solid counters throughout. Appliances include an LG French-door bottom-freezer refrigerator, a stainless single-bay sink, a Whirlpool dishwasher with disposal, and a Frigidaire Gallery electric range with five burners, convection roast/bake, and steam-clean/self-clean options.

A peninsula holds the range and oven, with concealed space beneath for trash and a small pass-through to both the dining area and main living space — framing the river and mountain view from the cook’s position. A breakfast nook seats four comfortably (six in a pinch), with sliders out to the rear deck, which steps down in three tiers: off the primary bedroom, down to a composite-decked main level, then to a covered ~12’ x 12’ portico with a picnic table, workbench, and space for a gas grill — usable even in the rain. A ramp connects back to the front of the house, useful for mobility access.

Off the breakfast nook, a laundry room includes a large pantry closet, a slop sink, Whirlpool washer/dryer, cabinetry above, and a fold-out drying rack.

Primary Suite

The primary suite is part of a newer addition and functions as its own private wing. The bedroom is a generous 30’ x 18’, carpeted, electric baseboard heat, with three windows and a door out to a private covered porch (roughly 10’ x 8’) that looks over the main deck below. The en suite bath includes a large walk-in closet spanning two full walls, dual sinks, and a step-in shower with a low 6-inch curb rather than a tub — built for easy access.

The suite is reached from the home’s split entry: a quarter-flight up from the front door lands you here, with the front door itself just to the right. A center-hall coat closet with a frosted-glass door and a two-car garage with automatic rollup doors (plus a side door and room for a workshop and second fridge) complete this level.

Lower Level

A quarter-flight down from the entry leads to the lower level of the split. A gas-log fireplace with a brown enamel surround warms a sitting area with a front-yard view. A brick hearth nearby marks where a second, wood-burning fireplace once stood. A frosted-glass divider wall opens into a large bedroom currently set up with a king bed, its own en suite bath and an adjoining office space with electric baseboard heat, a TV hookup, and a sump pump. (NOTE: At the back of this level, a stone hearth and fireplace. At one-time, this was an open great-room anchored by that mantle and fireplace. The current room dividers could be removed to reopen that space.)

There’s a separate storage area, a utility/workshop space with its own electric baseboard heater, and the home’s full mechanical setup: a 200-amp Square D main panel with a subpanel, a well and pressure tank (April 2021), and water heater. Ductwork for a central vacuum is in place, though not currently installed.

Systems & Storage

The attic is accessed via a pull-down staircase from the central hall and should be well insulated before use as active storage. It currently holds blown-in insulation over a plywood-framed floor, eave vents, and a zippered thermal liner at the access point to help keep conditioned air in.

The 2-car attached garage provides amazing comfort in the cooler months, and the detached 2+ car garage is a treat for those with lots of stuff…and who doesn't have lots of stuff!

Exterior

Stone pathways and composite decking wrap the porches throughout. Vinyl siding in gray with black shutters, a newer architectural-shingle roof, and brick at the lower foundation give the exterior a clean, well-kept look consistent with the mid-1980s construction and later addition. Outdoor lighting, a basketball hoop, a garden shed, and a large wooden swing rounds out the yard.

For daily needs, larger amenities and a more active social scene, you’re minutes from the city of Oneonta, roughly 13,000 strong and home to two college campuses — SUNY Oneonta and Hartwick College — that together bring more than 7,000 students to the area. Oneonta offers the Southside Mall and Cinemas, and a lively main street of restaurants and shops.

A rare combination of privacy, acreage, and genuine river frontage in the Western Catskills.