CCertihomes
3658 Flanders Road, Lyme, NY 13693

$285,000

2 beds 1 baths 864 sqft Built 199749 days on marketActive

About this home

ESCAPE TO YOUR OWN LAKESIDE RETREAT WITH THIS ADORABLE COTTAGE THAT NESTLES ON THE SHORES OF LAKE ONTARIO. PRICED BELOW ACCESSED VALUE AND BURSTING WITH COZY CHARM, THIS DELIGHTFUL GETAWAY OFFERS STUNNING WATER VIEWS, TRANQUIL SUNSETS AND 50' OF WATERFRONT. ENJOY MORNING COFFEE ON THE DECK AND EVENINGS AROUND THE FIRE PIT LISTENING TO THE WAVES. INSIDE AS AN OPEN CONCEPT LIVING AREA WITH 2 BEDROOMS AND A BATH. THERE IS ALSO A TWO CAR DETACHED GARAGE THAT PROVIDES AMPLE ROOM FOR STORING LAKE TOYS, KAYAKS, BIKES OR EVEN A WORKSHOP-ADDING CONVENIENCE AND FUNCTIONALITY TO THIS PEACEFUL LAKESIDE PROPERTY. WHETHER YOU ARE LOOKING FOR A PLACE TO UNWIND OR A FUN FILLED SUMMER HOME, THIS COTTAGE IS YOUR LITTLE SLICE OF PARADISE ON LAKE ONTARIO.

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
$2,965/mo

Real estate (PITI + HOA + PMI)
$2,575
Principal + interest$1,829
Property tax + insurance$639
PMI / 2nd mortgage$107
Utilities
$814
Heating + cooling$259
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$2,965/mo TLC
Budget$5,000/mo
Remaining after TLC$2,035/mo
Purchase price
$285,000
Down payment
$14,250 (5%)
Loan amount
$270,750
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
1997
Lot size
0.155 ac
Stories
1
Heating
Propane, ForcedAir
Cooling
Water
Well
HOA
Annual tax
$4,176
MLS #
S1618213
County
Jefferson

At a glance

Garage (2)
Waterfront

Home features

Appliances
ElectricCooktopElectricWaterHeaterRefrigerator
Interior
EatInKitchenSeparateFormalLivingRoomLivingDiningRoomSlidingGlassDoorsBedroomOnMainLevel
Exterior
DeckGravelDriveway
Parking
DetachedElectricityGarage
Flooring
Carpet, Hardwood, Varies, Vinyl
Roof
Asphalt, Shingle
Sewer
SepticTank

Lot features

Other, Rectangular, RectangularLot, SeeRemarks

Neighborhood — 13693

MetricThis ZIPCountyUSA
Population1,20619,351,094299,088,112
Population Change Since199022.00%8.00%20.00%
Population Density63395
Male5759,381,926147,432,321
Female6319,969,168151,655,844
Never Married1974,946,39163,775,926
Married5837,166,701123,120,365
Separated461,159,67312,639,686
Widowed881,110,24515,467,586
Divorced1071,210,44823,075,029
Number Of House Hold4937,102,016111,826,380
Average House Hold Size2.442.642.60
Medial Age46.6236.5335.46
Median House Hold Income$40,384$49,847$48,276
Average House Hold Income$45,742$70,032$63,629
P C I$18,699$26,569$24,529
M D I$35,068$42,210$41,133
A T H E$41,256$54,185$50,898
S T R7.75%4.00%
W C J81.12%81.55%77.74%
(Zip) Code
13693

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

Map & walkability

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Listing information last refreshed 6/26/2025. Provided courtesy of Coldwell Banker Prime Prop, Inc via Buffalo MLS. Information deemed reliable but not guaranteed.