CCertihomes
78 Chipman Lane, Sandy Creek, NY 13145

$199,900

3 beds 1 baths 1,200 sqft Built 199782 days on marketActive

About this home

**PRICE IMPROVEMENT** LIFE IS BETTER AT THE POND! Beautiful Turn-Key Year-Round home with direct views of Sandy Pond. Have a cocktail on the front porch and watch the sun go down over the water. Or take a stroll to the Elms Restaurant, and listen to some live music. Just a stone's throw away to Reiter's Marina if you need to dock a boat. Bring your clubs and hit the links, literally in your back yard! Enter to the vaulted ceilings and hardwood floors throughout main living area, and upstairs. Tastefully and sensibly appointed decor and mechanicals. Each room has its own wifi enabled thermostat, and the home now boasts public water, and proper insulation for year-round comfort. A true Sandy Pond Gem!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$2,448/mo

Real estate (PITI + HOA + PMI)
$1,931
Principal + interest$1,283
Property tax + insurance$573
PMI / 2nd mortgage$75
Utilities
$991
Heating + cooling$341
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$143
$2,448/mo TLC
Budget$5,000/mo
Remaining after TLC$2,552/mo
Purchase price
$199,900
Down payment
$9,995 (5%)
Loan amount
$189,905
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Other, SeeRemarks
Year built
1997
Lot size
0.4288 ac
Stories
2
Heating
Electric
Cooling
Water
Connected, Public
HOA
Annual tax
$4,125
MLS #
S1596458
County
Oswego

At a glance

Fireplace

Home features

Appliances
DryerElectricOvenElectricRangeElectricWaterHeaterRefrigeratorWasher
Interior
EatInKitchenBedroomOnMainLevelProgrammableThermostat
Exterior
GravelDriveway
Parking
NoGarage
Flooring
Carpet, Hardwood, Varies
Sewer
SepticTank

Lot features

OnGolfCourse, Rectangular, RectangularLot

Neighborhood — 13145

MetricThis ZIPCountyUSA
Population1,30419,351,094299,088,112
Population Change Since19906.00%8.00%20.00%
Population Density96395
Male6489,381,926147,432,321
Female6569,969,168151,655,844
Never Married2384,946,39163,775,926
Married6277,166,701123,120,365
Separated371,159,67312,639,686
Widowed691,110,24515,467,586
Divorced791,210,44823,075,029
Number Of House Hold4667,102,016111,826,380
Average House Hold Size2.802.642.60
Medial Age37.9336.5335.46
Median House Hold Income$40,095$49,847$48,276
Average House Hold Income$56,097$70,032$63,629
P C I$20,047$26,569$24,529
M D I$34,816$42,210$41,133
A T H E$47,116$54,185$50,898
S T R8.00%4.00%
W C J75.63%81.55%77.74%
(Zip) Code
13145

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 4/1/2025. Provided courtesy of Howard Hanna Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.