Listed by Anderson Mills & Associates • Coldwell Banker Realty Bedford NH (Phone: 603-420-2883).
For sale
$1,950,000
Est. $12,603/mo —
5
bd
•
2 ba
•
2,086
sq ft
19 Smith Cove Rd, Gilford, NH 03249
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About this home
Rare Lake Winnipesaukee Waterfront Opportunity in Desirable Gilford! Set on 61 feet of level shoreline in protected Smith Cove, this exceptional property offers the kind of lakefront setting that is increasingly difficult to find. Enjoy western exposure and spectacular sunsets, protected no-wake waters, easy access to the Broads, and a grandfathered 1925 laker-style boathouse, a truly special feature that adds character, functionality, and value. The property offers approximately 2,000 square feet across two separate cottages, creating exceptional flexibility for personal use, a family compound, or potential income-producing opportunities. The original 1898 waterfront cottage features two lake-facing bedrooms, two baths, a fully applianced kitchen, wood-burning fireplace, and stackable laundry. The 1962 roadside cottage has been partially renovated and offers two bedrooms, two baths, plus an open-concept kitchen and dining area with two wood-burning fireplaces. The two-cottage configuration offers the potential to use one cottage as a private retreat while renting the other, or explore short-term rental opportunities for one or both, subject to applicable town regulations and approvals. Outdoor amenities include two 25-foot docks, the boathouse, detached one-car garage, wood shed, and an additional outbuilding with a charming pirate-themed playhouse. Public sewer provides valuable flexibility for future improvements and potential expansion. The property is also wired for a whole-house generator. Whether you're looking for a classic lakefront retreat, multi-generational getaway, or property with rental income potential, this is a rare opportunity to own a piece of Lake Winnipesaukee with features that are increasingly difficult to replicate. Just minutes from BankNH Pavilion, Gunstock Mountain Resort, marinas, restaurants, shopping, and year-round recreation, this is your chance to create something truly special.
Single-familyProperty Type
1962Year Built
0.31 acresLot Size
$935Price/Sq.Ft.
1 car garageParking
Listed by Anderson Mills & Associates• Coldwell Banker Realty Bedford NH
Amazing opportunity to own a Lake Winnipesaukee waterfront property in sought-after Gilford, offering exceptional flexibility, grandfathered features, and endless potential at an attractive price. With 61 feet of level waterfront in protected Smith Cove, this unique property combines the charm of a classic lakefront retreat with redevelopment possibilities. The shoreline features a charming 1925 laker-style boathouse, two 25-foot docks, protected no-wake waters, and easy access to the Broads, while western exposure provide beautiful sunsets over the lake. The property includes two separate cottages totaling approximately 2,000 square feet, along with a detached auto-open one-car garage, wood shed, and an additional outbuilding featuring a fun pirate-themed playhouse. The waterfront cottage, originally built in 1898, offers three lake-facing bedrooms, two bathrooms, a fully applianced kitchen, a cozy wood-burning fireplace, and a stackable washer and dryer. The roadside cottage, built in 1962, has been partially renovated and is configured for two bedrooms, each with its own ensuite bath, plus an open-concept kitchen and dining area with two wood-burning fireplaces. The availability of public sewer provides tremendous flexibility for future redevelopment and expanded bedroom capacity. The property was previously condoized, presenting an additional opportunity for buyers to explore future possibilities, subject to town approvals. The property is also wired for a whole-house generator. Located just minutes from BankNH Pavilion, Gunstock Mountain Resort, marinas, restaurants, shopping, and year-round recreation, this is a rare chance to create a one-of-a-kind Lake Winnipesaukee compound, vacation getaway, or investment property.
Year
Property tax
Land + Additions
Assessment*
2025
$21,301 (+5.3%)
$1,203,260 + $594,300
$1,797,560
2024
$20,223 (+9.2%)
$1,203,260 + $594,300
$1,797,560
2023
$18,515 (+35.7%)
$1,203,260 + $594,300
$1,797,560
2022
$13,646 (−2.6%)
$678,140 + $435,800
$1,113,940
2021
$14,006 (+22.3%)
$678,140 + $462,400
$1,140,540
2020
$11,453 (−3.2%)
$452,030 + $310,000
$762,030
2019
$11,829 (−0.7%)
$452,030 + $293,800
$745,830
2018
$11,917 (−1.3%)
$452,030 + $247,300
$699,330
2017
$12,070 (+21.6%)
$452,030 + $247,300
$699,330
2016
$9,925 (+0.8%)
$327,200 + $225,700
$552,900
2015
$9,842
$327,200 + $220,500
$547,700
Public record
Beds
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Lot size
0.31 Acres
Year renovated
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Finished Sq. Ft.
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Unfinished Sq. Ft.
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Total Sq. Ft.
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Year built
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Style
Other
County
Belknap County
APN
916642
Parking Spaces
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Basement
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Accessible
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HOA Dues
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Garage
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Features
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Last updated by owner on Aug 5, 2026.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
3/10 Heat Factor
7 days above 91° expected this year, 16 days in 30 years
3/10 Wind Factor
7% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Gilford, NH • 03249
Average low and high temperatures (°F)
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71
54
59
43
45
33
31
18
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Sun exposure
Try the sun simulator tool to see how light moves across the property at different times of day and year.
Provided by Shadowmap
Redfin Estimate for 19 Smith Cove Rd
$1,952,988
$2,988 over list price of $1.95M
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $590K to $1.4M.