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Step into this charming lakefront cottage and immediately feel at home. The foyer leads to the primary bedroom, featuring a full bath and breathtaking views of Whaley Lake. A second bedroom and a full hallway bath complete the main level. Upstairs, a loft offers another perspective of the serene lake, perfect for reading, relaxing, or watching the sunset. The open-concept kitchen flows into the dining and living areas, where a wood-burning fireplace creates a cozy centerpiece. Sliding doors open to a deck with incredible lake vistas – the ideal spot for morning coffee or evening gatherings. Make your way down to the lake bringing you to your private dock with a shed and a mooring for your boat. Whaley Lake, 257 acres, the largest motorboat lake in Dutchess County, provides endless recreational opportunities: paddleboarding, kayaking, swimming, and water skiing—or simply unwind and take in the beauty of the water.You are a short drive to the quaint town of Pawling, NY, and approximately 70 miles to NYC, easy access to major highways and the Meto North’s Harlem Line to NYC This cottage isn’t just a home; it’s a lifestyle.

Highlights

  • Residential
  • Single Family Residence
  • Built in 1940
  • 0.09 Acre Lot
  • 214 days on Market

  • Bedrooms
    2
  • Bathrooms
    2
  • Year Built
    1940
  • Architectural Style
    Cottage
  • Construction Materials
    Aluminum Siding
  • Parking Features
    Driveway
  • Living Area
    1722.0
  • Interior Features
    Ceiling Fan(s)
  • Appliances
    Dryer, Refrigerator, Washer, Range, Gas Water Heater
  • Flooring
    Tile, Wood
  • Patio And Porch
    Deck
  • Cooling
    Central Air
  • Heating
    Propane

  • Acres
    0.09
  • Water Front Features
    Lake Front, Lake Privileges, Waterfront Access
  • View
    Mountain(s), Lake
  • Utilities
    Cable Available, Electricity Connected, Propane
  • Water
    Private, Well

  • County
    Dutchess
  • City
    Holmes
  • Zip Code
    12531
  • High School
    Pawling High School
  • Middle School
    Pawling Middle School
  • Elementary School
    Pawling Elementary School

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Frequently Asked Questions

How do I schedule a tour of 1080 Route 292?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 1080 Route 292.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 1080 Route 292?

Click Ask a Question to talk with our team. You already know it is a 2 bed, 2 bath, listed for $699,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Holmes, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 1080 Route 292?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 1080 Route 292 at around $5,125. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 1080 Route 292?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Dutchess County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 1080 Route 292?

In most cases, yes. Whether 1080 Route 292 is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Holmes's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 1080 Route 292?

We can handle that for you. Our preferred local agent specializes in residentials in Holmes and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $699,000 with 1,722 sqft of space—that comes out to approximately $406 per square foot.

How long has this property been on the market?

1080 Route 292 was listed on April 13, 2026, which means it's been on the market for 214 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1940, making it approximately 86 years old.

What is the lot size of this property?

1080 Route 292 sits on a 0.09-acre lot, which is 3,920 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Pawling Elementary School
  • Middle: Pawling Middle School
  • High: Pawling High School

Want to see how these schools compare? Check out our Dutchess County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 1080 Route 292?

The most recent public record shows annual property taxes for 1080 Route 292 were approximately $13,770. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 1080 Route 292 still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data


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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. Copyright 2026, OneKey MLS. All rights reserved.

Last Updated: November 13, 2026 at 02:35PM | Source: OneKey MLS | MLS#: 978111