WOW! Lake Ontario beach access! This is the one you've been waiting for! Beautiful Summerville move-in-ready 3/4-bedroom colonial with deeded Lake Ontario beach rights. The updated kitchen and baths are complemented by a stunning third-floor renovation adding approximately 600 sq. ft. of versatile living space—ideal for a home office, bonus room, or potential fourth bedroom—with its own split-system heating and cooling. Smart Home features throughout. Recent improvements include new vinyl siding and trim (2024), new appliances (2025), a gas fireplace insert, heated three-season porch, and refreshed landscaping with beautiful exterior down-lighting. Situated on a generous lot with additional parking, this fantastic home is just minutes from the Rochester Yacht Club, boat launch, restaurants, shopping, and more. Delayed showings begin June 5 at 3:00 PM. Delayed negotiations June 10 at 5:00 PM.
Pending
$225,000
45 Lake Ter, Rochester, NY 14617
4beds
1,398sqft
Single Family Residence
Built in 1924
6,534 Square Feet Lot
$-- Zestimate®
$161/sqft
$-- HOA
What's special
Gas fireplace insertSmart home features throughoutLake ontario beach accessSplit-system heating and coolingUpdated kitchenHeated three-season porch
- 7 days |
- 4,987 |
- 368 |
Zillow last checked:
Listing updated:
Listed by:
Howard Hanna 585-381-0502,
Judith E. Robson-Allen 585-975-9500
Source: NYSAMLSs,MLS#: R1687152
Originating MLS: Rochester
Originating MLS: RochesterFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Ductless, Gas, Heat Pump, Forced Air
Cooling
- Ductless, Heat Pump, Central Air
Appliances
- Included: Dryer, Dishwasher, Exhaust Fan, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Range Hood, Washer
Features
- Attic, Breakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Separate/Formal Living Room, Living/Dining Room, Solid Surface Counters, Skylights, Window Treatments, Convertible Bedroom, Programmable Thermostat
- Flooring: Carpet, Hardwood, Tile, Varies
- Windows: Drapes, Skylight(s), Storm Window(s)
- Basement: Full,Sump Pump
- Number of fireplaces: 1
Interior area
- Total structure area: 1,398
- Total interior livable area: 1,398 sqft
Property
Parking
- Total spaces: 1.5
- Parking features: Detached, Garage, Driveway
- Garage spaces: 1.5
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio, Porch, Screened
- Exterior features: Blacktop Driveway, Concrete Driveway, Enclosed Porch, Fully Fenced, Play Structure, Porch, Patio
- Fencing: Full
- 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
Lot
- Size: 6,534 Square Feet
- Dimensions: 65 x 100
- Features: Rectangular, Rectangular Lot, Residential Lot
Details
- Parcel number: 2634000476400002037100
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial,Historic/Antique,Two Story
- Property subtype: Single Family Residence
Materials
- Attic/Crawl Hatchway(s) Insulated, Spray Foam Insulation, Vinyl Siding, Copper Plumbing
- Foundation: Block
- Roof: Asphalt,Architectural,Shingle
Condition
- Resale
- Year built: 1924
Utilities & green energy
- Electric: Circuit Breakers
- Sewer: Connected
- Water: Connected, Public
- Utilities for property: Cable Available, Electricity Connected, High Speed Internet Available, Sewer Connected, Water Connected
Green energy
- Energy efficient items: Appliances, Lighting
Community & HOA
Community
- Security: Security System Owned
- Subdivision: Summerville Terrace Sub
Location
- Region: Rochester
Financial & listing details
- Price per square foot: $161/sqft
- Tax assessed value: $184,000
- Annual tax amount: $7,118
- Date on market: 6/5/2026
- Cumulative days on market: 6 days
- Listing terms: Cash,Conventional,FHA
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 6/12/2026 | Pending sale | $225,000$161/sqft |
Source:  NYSAMLSs #R1687152 Report a problem | ||
| 6/12/2026 | Contingent | $225,000$161/sqft |
Source: NYSAMLSs #R1687152 Report a problem | ||
| 6/5/2026 | Listed for sale | $225,000+47.1%$161/sqft |
Source: NYSAMLSs #R1687152 Report a problem | ||
| 8/6/2020 | Sold | $153,000+9.4%$109/sqft |
Source: NYSAMLSs #R1274315 Report a problem | ||
| 6/29/2020 | Pending sale | $139,900$100/sqft |
Source: Howard Hanna - Irondequoit #R1274315 Report a problem | ||
| 6/25/2020 | Listed for sale | $139,900$100/sqft |
Source: Howard Hanna #R1274315 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $184,000 |
| 2024 | -- | $184,000 |
| 2023 | -- | $184,000 +50.8% |
| 2022 | -- | $122,000 |
| 2021 | -- | $122,000 +30.9% |
| 2020 | -- | $93,200 |
| 2018 | -- | $93,200 +0.2% |
| 2017 | $1,693 | $93,000 |
| 2016 | -- | $93,000 |
| 2015 | -- | $93,000 |
| 2014 | -- | $93,000 |
| 2013 | -- | $93,000 |
| 2012 | -- | $93,000 |
| 2011 | -- | $93,000 |
| 2010 | -- | $93,000 |
| 2009 | -- | $93,000 +27.4% |
| 2007 | -- | $73,000 |
| 2006 | -- | $73,000 |
| 2005 | -- | $73,000 |
| 2004 | -- | $73,000 +6% |
| 2003 | -- | $68,900 |
| 2002 | -- | $68,900 |
| 2001 | -- | $68,900 |
| 2000 | -- | $68,900 |
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.
Climate risks
Neighborhood: 14617
Nearby schools
GreatSchools rating
- 8/10Iroquois Middle SchoolGrades: 3-6Distance: 0.9 mi
- 5/10Dake Junior High SchoolGrades: 7-9Distance: 2.4 mi
- 8/10Irondequoit High SchoolGrades: 9-12Distance: 2.5 mi
Schools provided by the listing agent
- District: West Irondequoit
Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
- New York
- Monroe County
- Rochester
- 14617
- 45 Lake Ter
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