This 1910 photo is New York State no specific location given. Though it appears to have been digitally enhanced, I think the setting is charming. The brick building may be a school built on the side of a hill, but the house is gorgeous. Despite the cold, the woman is smiling.
C. T. Suddeth 
I love this. looks just like the cart my neighbour use to take the the horseshows. She and her Morgan mare Justin Star won a lot of driving classes with the same cart. Nice photo thanks for sharing it.
Found it and had to share. NY state, could be a Morgan, I suppose.