CCertihomes
4896 Ashville Bay Road, North Harmony, NY 14710

$1,075,000

4 beds 4 baths 2,400 sqft Built 194944 days on marketActive

About this home

Tucked away on a quiet dead-end road, this charming lakefront cottage at 4896 Ashville Bay Road offers the perfect blend of comfort, character, and natural beauty. With over 141 feet of Chautauqua Lake frontage between five total parcels, this is the kind of place where memories are made and summers seem to last a little longer. Step onto the welcoming covered porch and take in sweeping lake views that carry through to the bright, year-round sunporch—a cozy spot for morning coffee, reading a good book, or watching the boats drift by. The living room features a classic fireplace and opens into a sweet dining nook, creating a warm and relaxed gathering space. Inside, the main bedroom includes an en-suite bath and generous closet space, while two additional bedrooms, a full hallway bathroom, plus a large bunk room with a full bathroom offer plenty of room for family and guests. The kitchen is spacious and full of potential, ready for your personal touch to make it your own. With two ways to get down to the water, either down the staircase or ride down/ load up the mule that is being sold with the property to the darling guest cottage, adds to the storybook charm with its own living/bedroom, full bath, and kitchenette—ideal for visitors or peaceful escapes just steps from the lake. The attached garage, expansive lot next door, provide for extra parking, and lush landscaping complete this one-of-a-kind lakeside retreat. Whether you're looking for a year-round home or a seasonal getaway, this sweet lakeside cottage is ready to welcome you.

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
$7,877/mo

Real estate (PITI + HOA + PMI)
$7,384
Principal + interest$4,876
Property tax + insurance$2,105
PMI / 2nd mortgage$403
Utilities
$1,569
Heating + cooling$615
Internet + TV + phone$173
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$173
$7,877/mo TLC
Budget$8,377/mo
Remaining after TLC$500/mo
Purchase price
$1,075,000
Down payment
$53,750 (5%)
Loan amount
$1,021,250
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
CapeCod
Year built
1949
Lot size
0.3357 ac
Stories
0
Heating
Gas, HotWater
Cooling
CentralAir
Water
Well
HOA
Annual tax
$12,566
MLS #
R1613255
County
Chautauqua

At a glance

Air conditioning
Fireplace
Basement
Garage (2)
Waterfront

Home features

Appliances
DryerDishwasherGasCooktopDisposalGasOvenGasRangeGasWaterHeaterMicrowaveRefrigeratorWasher
Interior
SeparateFormalLivingRoomCountryKitchenLivingDiningRoomMainLevelPrimaryPrimarySuite
Exterior
GravelDrivewayPatio
Parking
AttachedGarage
Flooring
Carpet, Hardwood, Laminate, Tile, Varies
Sewer
Connected

Lot features

FlagLot, Secluded

Neighborhood — 14710

MetricThis ZIPCountyUSA
Population2,30019,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density43395
Male1,1669,381,926147,432,321
Female1,1349,969,168151,655,844
Never Married3744,946,39163,775,926
Married1,1827,166,701123,120,365
Separated601,159,67312,639,686
Widowed1081,110,24515,467,586
Divorced1471,210,44823,075,029
Number Of House Hold8427,102,016111,826,380
Average House Hold Size2.732.642.60
Medial Age40.0136.5335.46
Median House Hold Income$40,510$49,847$48,276
Average House Hold Income$52,096$70,032$63,629
P C I$19,071$26,569$24,529
M D I$35,380$42,210$41,133
A T H E$44,958$54,185$50,898
S T R8.00%4.00%
W C J74.89%81.55%77.74%
(Zip) Code
14710

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

Map & walkability

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Listing information last refreshed 6/13/2025. Provided courtesy of Howard Hanna Holt - Mayville via Buffalo MLS. Information deemed reliable but not guaranteed.