CCertihomes
20 Youman Road, Constantia, NY 13028

$985,000

5 beds 4 baths 4,204 sqft Built 195241 days on marketActive

About this home

This breathtaking WATERFRONT PROPERTY on the North Shore of ONEIDA LAKE is a rare gem, offering 150 feet of PRISTINE SHORELINE on 1.3 acres of beautifully landscaped grounds. Inside, you’ll find 5 BEDROOMS and 4 FULL BATHS. The new 2nd story addition includes 2 bedrooms, a full bath, and a luxurious OWNER'S SUITE boasting a SPA LIKE EN SUITE with a DOUBLE SHOWER, SOAKING TUB, and large WALK-IN CLOSET, plus 2 private balconies overlooking the lake. Designed for both function and beauty, the GOURMET KITCHEN features GRANITE COUNTER TOPS, A CUSTOM MARBLE FARM SINK, HIGH END APPLIANCES, and TRAVERTINE flooring. Enjoy peace of mind with a NEW ROOF, ALL NEW ELECTRIC, PLUMBING, WINDOWS AND SIDING. The home also offers new WATER-RESISTANT PERGO flooring, new bathrooms with ADA-compliant non-slip floors, and a NEW WASHER AND DRYER. Step outside to enjoy the new BLUESTONE PATIO, ALUMINUM FENCING, and fresh landscaping. 58' ALUMINUM DOCK & BOAT HOIST ARE INCLUDED- a must for lakeside living. The 3 CAR GARAGE is perfect for storing all of your toys! The garage also includes an UNFINISHED 2ND STORY, currently used for storage, but has the potential to be turned into an apartment. This stunning property offers the ultimate combination of luxury, comfort, and waterfront serenity. WELCOME TO LAKE LIVING!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrJumbo at 4% APR.

Your estimated payment
$7,801/mo

Real estate (PITI + HOA + PMI)
$6,863
Principal + interest$4,467
Property tax + insurance$2,027
PMI / 2nd mortgage$369
Utilities
$2,431
Heating + cooling$1,066
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$7,801/mo TLC
Budget$8,301/mo
Remaining after TLC$500/mo
Purchase price
$985,000
Down payment
$49,250 (5%)
Loan amount
$935,750
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Colonial, TwoStory
Year built
1952
Lot size
1.3 ac
Stories
2
Heating
Propane, Baseboard, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$11,671
MLS #
S1596103
County
Oswego

At a glance

Fireplace
Garage (3)
Waterfront

Home features

Appliances
DryerDishwasherGasOvenGasRangeMicrowavePropaneWaterHeaterRefrigeratorWasher
Interior
WetBarCeilingFansSeparateFormalDiningRoomGraniteCountersHomeOfficePantryPullDownAtticStairs
Exterior
BalconyDockFenceGravelDrivewayPatioSeeRemarksPropaneTankLeased
Parking
AttachedElectricityGarageGarageDoorOpener
Flooring
LuxuryVinyl, Tile, Varies
Roof
Asphalt
Sewer
SepticTank

Lot features

IrregularLot

Neighborhood — 13028

MetricThis ZIPCountyUSA
Population1,79219,351,094299,088,112
Population Change Since199013.00%8.00%20.00%
Population Density90395
Male9299,381,926147,432,321
Female8629,969,168151,655,844
Never Married3274,946,39163,775,926
Married8057,166,701123,120,365
Separated671,159,67312,639,686
Widowed821,110,24515,467,586
Divorced1441,210,44823,075,029
Number Of House Hold6167,102,016111,826,380
Average House Hold Size2.912.642.60
Medial Age36.1936.5335.46
Median House Hold Income$40,082$49,847$48,276
Average House Hold Income$45,214$70,032$63,629
P C I$15,601$26,569$24,529
M D I$34,999$42,210$41,133
A T H E$40,964$54,185$50,898
S T R8.00%4.00%
W C J77.57%81.55%77.74%
(Zip) Code
13028

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

Map & walkability

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Listing information last refreshed 4/3/2025. Provided courtesy of Hunt Real Estate ERA via Buffalo MLS. Information deemed reliable but not guaranteed.