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1616 Route 292 #Cottage 12

Holmes, NY 12531 · Dutchess County

Beds
2
Baths
2
Sqft
900
Status
Active
On site
98 days

Know your budget before you tour. Get pre-qualified

About this home

$174K PRICE IMPROVEMENT!! Welcome to one of the Hudson Valley's most extraordinary hidden treasures—a private island retreat nestled in the heart of Whaley Lake, where every day feels like a vacation and every arrival feels like an escape from the ordinary. Accessible only by boat, this remarkable waterfront residence offers an exceptionally rare opportunity to own a piece of paradise within an exclusive island co-op community where properties seldom become available. From the moment you leave the mainland behind and cruise across the sparkling waters to your own private dock, you'll experience a level of peace, privacy, and seclusion that is nearly impossible to find in today's world. Surrounded by panoramic lake views and embraced by nature, this charming island getaway captures the essence of lakefront living at its finest. Wake each morning to shimmering sunrises dancing across the water, spend your days boating, swimming, fishing, or simply relaxing lakeside, and unwind in the evening as spectacular sunsets paint the sky in brilliant colors reflected across the lake's glassy surface. Inside, the home exudes warmth, comfort, and timeless lake-house charm. Thoughtfully designed for both relaxation and entertaining, the residence features two bedrooms, a spacious sleeping loft, and two beautifully renovated full bathrooms. Comfortable gathering spaces invite friends to create lasting memories, while expansive lake views serve as the backdrop to nearly every moment. Whaley Lake is one of Dutchess County's premier motorboat lakes, offering endless recreational opportunities and year-round natural beauty. Located less than 90 miles from New York City, this unique property provides the perfect weekend sanctuary, summer retreat, or lifestyle investment for those seeking a truly one-of-a-kind waterfront experience. As an added bonus, the home is being offered almost fully furnished, allowing you to begin enjoying island life immediately. Opportunities of this caliber are extraordinarily rare. This isn't simply a home—it's a lifestyle, a retreat, and a legacy property that offers an experience few will ever have the chance to own. Schedule your private showing today and discover why life on Whaley Lake is unlike anywhere else. Seller financing feasible!

Listed with eXp Realty · Julie C. Conner · Source: OneKey MLS

One Key MLS

Information provided by One Key MLS, and is deemed reliable but not guaranteed accurate. Data last updated: Sep 17, 2026, 11:07 PM ET. ©2026 One Key MLS.

Estimate Your Monthly Payment

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.

$8,430.94Total / mo

Estimated Monthly Payment

Principal & interest
$2,093.44 (24.8%)
Taxes
$637.50 (7.6%)
HOA
$5,500.00 (65.2%)
Insurance
$200.00 (2.4%)

Representative rates

Representative rates only, indicative for comparison. Edit the interest rate for your own quote; your lender’s numbers vary with credit, points, and insurance.

Taxes are estimated; the listing office didn't report an annual tax figure.

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Market Insights

The market around Holmes, NY

Current Listings

New in the last 30 days

3

Sep 2026

Average Price

Active listings

$676,887

Sep 2026

Average Days on Market

Active listings

150 days

Sep 2026

Computed from 32 active OneKey MLS listings in Holmes, NY.

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