CCertihomes
169 Fire Lane 12, Cato, NY 13080

$369,000

4 beds 1 baths 1,588 sqft Built 1952102 days on marketActive

About this home

Welcome to this LAKE RETREAT nestled on the picturesque western shores of Cross Lake! This charming year-round home boasts 92 feet of prime lake frontage along Fire Lane 12, complete with a 96-foot Roll-a-Dock and an 8x8 side extension. Enjoy fabulous sunsets, exceptional fishing, and fantastic boating on Cross Lake, which connects to the NYS canal system, giving you access to just about anywhere. Inside, you'll find 3 cozy bedrooms with closets and a bath on the main floor, along with an open-concept kitchen, dining, and living area. There's also a delightful 4th bedroom in the Loft, perfect for guests or a quiet reading nook. The enclosed porch measures 8x26 and features cedar finishes and new windows, so you can take in the breathtaking lake views. Recent updates include a new metal roof, bathroom shower, new windows, refrigerator, plus 16 inches of insulation in the attic crawl space and under the house. And let's not forget the handy 2-car garage, along with the home's own well. There are 3 different heat sources, propane wall unit, wood stove, and electric heat in the bedrooms. If you enjoy fishing, this is the home for you. The Dock will get you out there, you won't even need a boat.

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
$3,907/mo

Real estate (PITI + HOA + PMI)
$3,373
Principal + interest$2,368
Property tax + insurance$867
PMI / 2nd mortgage$138
Utilities
$1,161
Heating + cooling$431
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,907/mo TLC
Budget$5,000/mo
Remaining after TLC$1,093/mo
Purchase price
$369,000
Down payment
$18,450 (5%)
Loan amount
$350,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cottage, Ranch
Year built
1952
Lot size
0.5164 ac
Stories
0
Heating
Propane, WallFurnace
Cooling
Water
Well
HOA
Annual tax
$5,659
MLS #
S1593676
County
Cayuga

At a glance

Fireplace
Garage (2)
Waterfront

Home features

Appliances
DryerElectricWaterHeaterGasCooktopRefrigerator
Interior
CathedralCeilingsSeparateFormalDiningRoomSeparateFormalLivingRoomBedroomOnMainLevelLoft
Exterior
DockEnclosedPorchGravelDrivewayPorchSeeRemarksPropaneTankLeased
Parking
AttachedElectricityGarageWorkshopInGarage
Flooring
Varies, Vinyl
Roof
Metal
Sewer
SepticTank

Lot features

FloodZone, Rectangular, RectangularLot

Neighborhood — 13080

MetricThis ZIPCountyUSA
Population3,91419,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density135395
Male1,9349,381,926147,432,321
Female1,9799,969,168151,655,844
Never Married7534,946,39163,775,926
Married1,7797,166,701123,120,365
Separated1201,159,67312,639,686
Widowed1901,110,24515,467,586
Divorced3071,210,44823,075,029
Number Of House Hold1,4607,102,016111,826,380
Average House Hold Size2.682.642.60
Medial Age38.2736.5335.46
Median House Hold Income$45,618$49,847$48,276
Average House Hold Income$52,841$70,032$63,629
P C I$19,829$26,569$24,529
M D I$39,180$42,210$41,133
A T H E$45,395$54,185$50,898
S T R8.00%4.00%
W C J78.08%81.55%77.74%
(Zip) Code
13080

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

Map & walkability

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Listing information last refreshed 5/2/2025. Provided courtesy of Howard Hanna Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.