1439 Charlotte Valley Rd Escape to the Mountains: DIY Cottage with Seller Financing! Looking for an affordable entry into the Upstate New York market? This handyman diamond-in-the-rough is calling your name. Just needs cosmetic repairs. Situated on a manageable 0.33-acre lot, the property boasts stunning mountain views, a bubbling brook you can hear in the back, and proximity to State Land, providing the perfect backdrop for a future deck or expanded windows. Whether you want to restore the existing structure or reimagine the space entirely, this is your blank canvas. The foundation has been completely replaced with a concrete block foundation and a Bilco door. Electric has circuit breakers; heating and plumbing are good. No bank needed. The owner is offering flexible seller financing with 1/3 down payment. However, she will accept your check for payment in full. Bring your contractor, your toolkit, and your imagination to Summit, NY! Sold as-is.