CCertihomes
185 Chipman Lane, Sandy Creek, NY 13145

$414,900

2 beds 2 baths 1,422 sqft Built 1971106 days on marketActive

About this home

WATERFRONT! Square footage is based on appraisal. Here's your opportunity to own a fully remodeled and insulated home in the desirable ELMS area. This tastefully updated and spacious 2bedroom/2bath home sits on 3/4park like acres and includes your own floating dock from which you can access Sandy Pond, nearby Sandy Island boater's beaches and great salmon fishing anywhere on Lake Ontario. The home is just steps from The Elms Golf Course. As a bonus, this property includes a paved driveway with a massive garage for storage, large enough to house a combination of cars, boats, PWCs, golf carts, etc. It has a workshop area as well as additional storage in the stair accessible attic. A rare find in this area! This home offers the perfect retreat from the hustle and bustle with the ease of one level living. It is situated away from the harsh winter storms making it easier to maintain and provides beautiful, relaxing sunsets. These can be enjoyed from either of two decks or the enclosed sunroom. This home is move-in ready and comes partially furnished.

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
$4,132/mo

Real estate (PITI + HOA + PMI)
$3,640
Principal + interest$2,662
Property tax + insurance$822
PMI / 2nd mortgage$156
Utilities
$1,103
Heating + cooling$397
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$143
$4,132/mo TLC
Budget$5,000/mo
Remaining after TLC$868/mo
Purchase price
$414,900
Down payment
$20,745 (5%)
Loan amount
$394,155
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
1971
Lot size
0.7697 ac
Stories
1
Heating
Electric, Propane, WallFurnace
Cooling
WindowUnits, WallUnits
Water
Connected, Public
HOA
Annual tax
$4,707
MLS #
S1601549
County
Oswego

At a glance

Air conditioning
Fireplace
Garage (3)
Waterfront

Home features

Appliances
ExhaustFanElectricWaterHeaterFreeStandingRangeGasOvenGasRangeMicrowaveOvenRefrigeratorRangeHoodTanklessWaterHeater
Interior
BreakfastBarCeilingFansEntranceFoyerKitchenFamilyRoomComboOtherPartiallyFurnishedQuartzCountersSeeRemarksSlidingGlassDoorsSkylightsWindowTreatmentsBedroomOnMainLevelMainLevelPrimaryProgrammableThermostat
Exterior
BlacktopDrivewayDeckDockPatioSeeRemarksPropaneTankLeased
Parking
DetachedGarageGarageDoorOpener
Flooring
Carpet, LuxuryVinyl, Varies, Vinyl
Roof
Asphalt
Sewer
SepticTank

Lot features

OnGolfCourse, Other, Rectangular, RectangularLot, SeeRemarks

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 4/23/2025. Provided courtesy of Berkshire Hathaway CNY Realty via Buffalo MLS. Information deemed reliable but not guaranteed.