Highland Lake – How Much is it Worth?

Highland Lake – How Much is it Worth?

by Mike Peacock

What is the value of a clean and beautiful, 440-acre, four-season lake nestled in the Litchfield Hills within a three-hour drive radius of 30 million people and a $2 trillion GDP? (Think Italy.) We all have our feelings for the lake and what it is worth to each of us. But what price would it take for us to part with our beloved little parcels? For this exercise, let’s go out on a limb and assume the 2007 revaluation established a reasonably accurate estimate of value at least at that time – October 2007. Then we’ll take a look at what’s happened to selling prices since then.

There are 433 parcels listed as Highland Lake “waterfront” on the Town’s property records - 358 have buildings on them. Based on the revaluation results, the appraised value of the 97 waterfront acres and the several hundred buildings on those acres is $150 million, about $1.5 million per acre. The appraised value is simply the assessed value with the 30% added back (assessed value = 70% of appraised value).

Another 79 parcels are listed as “water access,” meaning they have access to water on the other side of the road. The appraised value of the 33 acres with water access is $27 million, averaging just over $800,000 per acre. The remaining 427 acres covered by the Highland Lake District (HLD) have an appraised value of $76 million ($180,000 an acre), bringing the total value of the HLD to $253 million.

What else can you buy for $250 million? How about the New York Yankees for a year? Or Bear Stearns on March 17, 2008 – that’s what JP Morgan paid for the iconic financial firm on that date. Or what Thomas Jefferson paid Napoleon in 1803 (in today’s dollars) for Louisiana and a few other states. That puts some meaning behind the oft-used phrase – “Winsted’s most precious resource.” Comparisons to other Winsted/Winchester real estate values are also interesting:

  • Main Street business district - $27 million
  • All commercial and industrial properties - $135 million
  • All condos and residential rental properties - $170 million
The other question is what has happened to HLD real estate values since October 2007? We all know what has been happening to US real estate prices. According to the National Association of Realtors, the median US home price has fallen 13% over the last year. California is much worse – down 25%, while Connecticut is less bad – down only 9.4 %. Closer to home, there have been 22 HLD property sales since October 1, 2008, totaling $6.3 million. Using the 2007 revaluation benchmark, the value of these 22 properties as of October 2007 was $5.8, suggesting our lake property values have actually increased 9% in the last year or so. While probably not statistically accurate, these numbers would suggest HLD property values are holding up pretty well during this downturn, at least so far. We’ll keep an eye on the local market and update you in future newsletters.

Email any comments to me at mhpeacock@charter.net.


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