This charming, well maintained cottage is NOT in a flood zone and does not require flood insurance yet sits across the road from the picturesque Dry Brook Creek! Enjoy the soothing sights and sounds of the water rushing along with beautiful year round mountain views right from the large picture window in the living room or, the front deck. Nestled in the magical Catskill Mountains only seven minutes from Belleayre, an outdoor lover's paradise with skiing, mountain biking, rock climbing, swimming. Belleayre also plays host to a vibrant music scene throughout the year with events such as ''Mountain Jam''... and let's not forget the amazing hiking trails just minutes away! Five minutes away, the quaint village of Margaretville invites you to explore its charming shops, delicious eateries, and a lively arts scene with a local theater and several galleries. The interior features hardwood floors throughout with a bright spacious living room that opens to a large eat-in kitchen. The heated and mostly finished walk-out lower level is a flexible space, ideal for a family/rec. room, and third bedroom. Situated walking distance from the quaint town of Arkville, with its small-town charm. The cottage is also a short drive from world-class fishing at the Pepacton Reservoir and East Branch of the Delaware River. Living here puts you in the middle of everything the Catskill Mountains have to offer. You can own this property with a monthly mortgage that is less than renting. In 2024 taxes were 1,938 (162pm), includes sewer and trash. Lovingly maintained for 20 years, this home is ready for new owners looking to relax, unwind, and find adventure—whether as a weekend getaway, short-term rental, or full-time retreat!