CCertihomes
133 Chipman Lane #129, 131, Sandy Creek, NY 13145

$980,000

2 beds 2 baths 1,200 sqft Built 20214 days on marketActive

About this home

Truly a rare find! This unique property offers three individual cottages situated on 350' of pristine North Sandy Pond waterfront with direct access to Lake Ontario-perfectly positioned to enjoy the most spectacular sunsets you can imagine. The MAIN cottage is new construction , not a remodel but ot sits on th pre existing foundation and features municipal water, modern updates and is in move-in-ready condition. COTTAGE 2 (the blue/green one) is a spacious 4 bedroom, 1 bath with updated siding and appliances that stay. COTTAGE 3 is a 2 bedroom with a shower that could use some TLC but has great potential. Each cottage has its own dock (not placed this year), septic system, and leach field. Most contents will stay, and appliances are included. This is a fantastic opportunity to own a versatile waterfront retreat-ideal as a rental investment, multi-generational escape, or your personal paradise on the lake. Don't miss your chance to own a piece of the North pond and Lake Ontario's breathtaking shorelines ! Main cottage is 1200 SF, real property has 2300 and owner believes that may be all 3 cottages total. Professional photos and drone shots will be added on Monday.

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
$6,325/mo

Real estate (PITI + HOA + PMI)
$6,147
Principal + interest$4,445
Property tax + insurance$1,334
PMI / 2nd mortgage$368
Utilities
$899
Heating + cooling$295
Internet + TV + phone$143
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$143
$6,325/mo TLC
Budget$6,825/mo
Remaining after TLC$500/mo
Purchase price
$980,000
Down payment
$49,000 (5%)
Loan amount
$931,000
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Cottage
Year built
2021
Lot size
1.35 ac
Stories
1
Heating
Ductless, Electric
Cooling
Ductless
Water
Connected, Public
HOA
Annual tax
$4,932
MLS #
S1618388
County
Oswego

At a glance

Air conditioning

Home features

Appliances
DryerElectricOvenElectricRangeElectricWaterHeaterMicrowaveRefrigeratorWasher
Interior
SeparateFormalLivingRoomKitchenIslandLivingDiningRoomSlidingGlassDoorsBedroomOnMainLevel
Exterior
DirtDriveway
Parking
NoGarage
Flooring
Laminate, Varies
Roof
Asphalt
Sewer
SepticTank

Lot features

IrregularLot, Other, SeeRemarks

Schools

Elementary
Sandy Creek Elementary
Middle
Sandy Creek Middle
High
Sandy Creek High

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 6/26/2025. Provided courtesy of Berkshire Hathaway HomeServices CNY Realty Watn via Buffalo MLS. Information deemed reliable but not guaranteed.