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    • $285,000

    20432 S Shore Rd, Three Mile Bay, NY 13693

    4beds
    1,536sqft
    Loading
    Single Family Residence
    Built in 2005
    2 Acres Lot
    $-- Zestimate®
    $186/sqft
    $-- HOA

    What's special

    Enjoy the perfect combination of privacy, space, and waterfront recreation without the high waterfront taxes! This beautifully updated 4 bedroom, 2 bathroom ranch sits on 2 peaceful acres and includes 15 feet of deeded water access, making it easy to enjoy fishing, kayaking, paddleboarding, and more. Built in 2005, this 1,536 square foot home features a bright, open concept layout where the living room, dining area, and kitchen flow seamlessly together, creating the perfect space for entertaining or everyday living. The kitchen offers warm butcher block countertops, stainless steel appliances, and plenty of workspace. Fresh paint and new flooring throughout give the home a clean, modern feel. The spacious primary suite includes a private full bath, while three additional bedrooms provide plenty of room for family, guests, or a home office. Outside, extensive tree clearing has created an even larger backyard with endless possibilities for recreation, gardening, or simply relaxing. A storage shed provides additional space for tools and outdoor equipment. Whether you're looking for a year round residence or a weekend getaway, this property offers the best of country living with the added bonus of deeded waterfront access at a fraction of the taxes of true waterfront ownership.
    5 days
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    1,629
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    69
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    Zillow last checked:

    Listing updated:

    Listed by:

    Lake Ontario Realty, LLC 315-649-3434,

    Beth Miller 315-649-3434

    Source: NYSAMLSs,MLS#: S1703677MLS LogoOriginating MLS: Jefferson-Lewis Board

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      • Main level bathrooms: 2
      • Main level bedrooms: 4
      Heating
      • Propane, Hot Water, Radiant Floor
      Appliances
      • Included: Electric Oven, Electric Range, Propane Water Heater, Refrigerator, Tankless Water Heater
      • Laundry: Main Level
      Features
      • Country Kitchen, Kitchen/Family Room Combo, Living/Dining Room, Main Level Primary, Primary Suite
      • Flooring: Carpet, Varies
      • Has fireplace: No
      Interior area
      • Total structure area: 1,536
      • Total interior livable area: 1,536 sqft
      Video & virtual tour

      Property

      Parking
      • Parking features: No Garage
      Features
      • Levels: One
      • Stories: 1
      • Exterior features: Gravel Driveway, Propane Tank - Leased
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      • Waterfront features: Beach Access, Deeded Access, Lake
      • Body of water: Lake Ontario
      • Frontage length: 15
      Lot
      • Size: 2 Acres
      • Dimensions: 130 x 656
      • Features: Rectangular, Rectangular Lot
      Details
      • Parcel number: 2244890790140001007793
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch,Split Level
      • Property subtype: Single Family Residence
      Materials
      • Vinyl Siding
      • Foundation: Poured, Slab
      Condition
      • Resale
      • Year built: 2005

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Well

      Community & HOA

      Location
      • Region: Three Mile Bay

      Financial & listing details

      • Price per square foot: $186/sqft
      • Tax assessed value: $147,000
      • Annual tax amount: $3,098
      • Date on market: 8/3/2026
      • Listing terms: Cash,Conventional,FHA

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        8/3/2026Listed for sale$285,000+17.8%$186/sqft
        Source: NYSAMLSs #S1703677 Report a problem
        5/24/2024Sold$242,000-3.2%$158/sqft
        Source: NYSAMLSs #S1499189 Report a problem
        2/18/2024Contingent$249,900$163/sqft
        Source: NYSAMLSs #S1499189 Report a problem
        10/20/2023Listed for sale$249,900+13.6%$163/sqft
        Source: NYSAMLSs #S1499189 Report a problem
        9/9/2022Sold$220,000-3.9%$143/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        7/29/2022Contingent$229,000$149/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        7/1/2022Price change$229,000-2.6%$149/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        6/19/2022Price change$235,000-3.7%$153/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        5/25/2022Price change$244,000-0.4%$159/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        5/10/2022Listed for sale$245,000$160/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        3/5/2022Pending sale$245,000$160/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        2/8/2022Price change$245,000-2%$160/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        12/10/2021Listed for sale$250,000+284.6%$163/sqft
        Source: NYSAMLSs #S1381171 Report a problem
        7/27/2020Sold$65,000+31.3%$42/sqft
        Source: Public Record Report a problem
        4/24/2015Sold$49,500+116.2%$32/sqft
        Source: Public Record Report a problem
        10/27/2014Sold$22,900$15/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025-- $147,000
        2024-- $147,000
        2023-- $147,000 +0.1%
        2022-- $146,800 +162.1%
        2021-- $56,000
        2020-- $56,000 +4.3%
        2019-- $53,700
        2018-- $53,700
        2017$535 $53,700
        2016-- $53,700
        Find assessor info on the county website

        Monthly payment

        Estimated monthly payment$1,822
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.
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        Climate risks

        Neighborhood: 13693

        Getting around

        0 / 100
        Car-Dependent
        26 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Lyme

        Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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