CCertihomes
3092 Route 89, Fayette, NY 13148

$1,289,000

4 beds 3 baths 3,806 sqft Built 182030 days on marketActive

About this home

Welcome to The Garnsey on Cayuga Lake — a truly exceptional lakefront retreat that blends timeless charm with modern luxury. Originally rich in history, this stunning property was completely reimagined and rebuilt from the ground up in 2019. Set on over an acre of beautifully maintained grounds with more than 130 feet of direct lake frontage, this estate boasts great outdoor living spaces, a dock, and panoramic views of Cayuga Lake that stretch for miles. Spanning over 3, 800 square feet of total living space, including an 850-square-foot finished bonus area above the garage, this home is designed with lifestyle and functionality in mind. Step inside through the side entry and you’ll be welcomed by a spacious mudroom and laundry area—complete with built-in cabinetry and a convenient dog-wash station—ideal for cleaning up after a day on the water or exploring the nearby Finger Lakes trails. The heart of the home is the chef’s kitchen, featuring a large custom island, high-end appliances, and ample storage. It flows seamlessly into the formal dining room, which offers plenty of space for entertaining large groups or intimate dinners with friends and family. Just off the kitchen, the center hall entry leads to a spacious living room and out to the expansive covered front porch, where you’ll enjoy unobstructed views of the lake from sunrise to sunset. The main-floor primary bedroom is a peaceful retreat, complete with dramatic vaulted ceilings and a picturesque picture window framing lake views. Upstairs, you'll find two generously sized guest bedrooms, both with walk-in closets, along with a beautifully appointed full bathroom. The primary suite upstairs is a true sanctuary, boasting a luxurious spa-like bathroom with double vanity, tiled walk-in shower, and a massive walk-in closet. From the second-floor covered balcony, you can enjoy elevated views of the lake and soak in the serenity of waterfront living. Whether you're seeking a year-round residence, a seasonal escape, or a luxury short-term rental opportunity, The Garnsey on Cayuga Lake offers it all—privacy, elegance, and prime access to the best the Finger Lakes have to offer. Offered fully 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, 30YrJumbo at 4% APR.

Your estimated payment
$9,069/mo

Real estate (PITI + HOA + PMI)
$8,397
Principal + interest$5,846
Property tax + insurance$2,068
PMI / 2nd mortgage$483
Utilities
$2,127
Heating + cooling$914
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$9,069/mo TLC
Budget$9,569/mo
Remaining after TLC$500/mo
Purchase price
$1,289,000
Down payment
$64,450 (5%)
Loan amount
$1,224,550
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Colonial, HistoricAntique
Year built
1820
Lot size
1.1 ac
Stories
2
Heating
Propane, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$9,133
MLS #
R1613904
County
Seneca

At a glance

Air conditioning
Basement
Garage (2)
Waterfront

Home features

Appliances
DryerDishwasherElectricWaterHeaterGasOvenGasRangeRefrigeratorWasher
Interior
CathedralCeilingsSeparateFormalDiningRoomEntranceFoyerEatInKitchenFurnishedSeparateFormalLivingRoomGraniteCountersBedroomOnMainLevel
Exterior
BalconyDockGravelDrivewaySeeRemarks
Parking
AttachedGarageStorageDrivewayGarageDoorOpener
Flooring
CeramicTile, Hardwood, Varies
Roof
Asphalt
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Neighborhood — 13148

MetricThis ZIPCountyUSA
Population9,82919,351,094299,088,112
Population Change Since1990-2.00%8.00%20.00%
Population Density150395
Male5,0769,381,926147,432,321
Female4,7539,969,168151,655,844
Never Married2,1424,946,39163,775,926
Married4,3057,166,701123,120,365
Separated4711,159,67312,639,686
Widowed6041,110,24515,467,586
Divorced7051,210,44823,075,029
Number Of House Hold3,5487,102,016111,826,380
Average House Hold Size2.582.642.60
Medial Age37.0736.5335.46
Median House Hold Income$42,350$49,847$48,276
Average House Hold Income$50,455$70,032$63,629
P C I$19,937$26,569$24,529
M D I$36,796$42,210$41,133
A T H E$43,986$54,185$50,898
S T R8.00%4.00%
W C J85.29%81.55%77.74%
(Zip) Code
13148

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

Map & walkability

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Listing information last refreshed 6/10/2025. Provided courtesy of Century 21 Steve Davoli RE via Buffalo MLS. Information deemed reliable but not guaranteed.