CCertihomes
4289 Lake Road, Howard, NY 14809

$169,900

2 beds 1 baths 480 sqft Built 195525 days on marketActive

About this home

If you're looking for a quaint, relaxing getaway, you have found it. Come see this 2 bedroom, 1 bath home on Smith Pond. Many upgrades, including newer appliances, newer flooring, fresh paint, newer metal roof and so much more. Enjoy the primary bedroom on the first floor and a bonus bedroom on the second floor (accessed through pull down stairs). Enjoy the sunrise or sunset on the newer composite deck. Everything has been done for you! Home comes partially furnished. A list will be provided. Delayed showings until June 30th @ 9:00 am. Delayed negotiations until July 7th at 12:00 pm.

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
$1,766/mo

Real estate (PITI + HOA + PMI)
$1,454
Principal + interest$1,090
Property tax + insurance$300
PMI / 2nd mortgage$64
Utilities
$569
Heating + cooling$135
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,766/mo TLC
Budget$5,000/mo
Remaining after TLC$3,234/mo
Purchase price
$169,900
Down payment
$8,495 (5%)
Loan amount
$161,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cottage
Year built
1955
Lot size
0.1492 ac
Stories
1
Heating
Electric, Baseboard
Cooling
Water
Well
HOA
Annual tax
$1,549
MLS #
R1618555
County
Steuben

At a glance

Waterfront

Home features

Appliances
ElectricOvenElectricRangeElectricWaterHeaterRefrigeratorWaterPurifierRented
Interior
CeilingFansDryBarEatInKitchenSeparateFormalLivingRoomKitchenFamilyRoomComboPullDownAtticStairsPartiallyFurnishedSlidingGlassDoorsStorageBedroomOnMainLevel
Exterior
DirtDrivewayDeckGravelDriveway
Parking
NoGarage
Flooring
Carpet, Laminate, Varies
Roof
Metal
Sewer
SepticTank

Lot features

Rectangular, RectangularLot, RuralLot

Schools

High
Avoca Central

Neighborhood — 14809

MetricThis ZIPCountyUSA
Population2,60319,351,094299,088,112
Population Change Since19904.00%8.00%20.00%
Population Density47395
Male1,2969,381,926147,432,321
Female1,3079,969,168151,655,844
Never Married4624,946,39163,775,926
Married1,1827,166,701123,120,365
Separated921,159,67312,639,686
Widowed1591,110,24515,467,586
Divorced2101,210,44823,075,029
Number Of House Hold9667,102,016111,826,380
Average House Hold Size2.682.642.60
Medial Age39.4736.5335.46
Median House Hold Income$38,835$49,847$48,276
Average House Hold Income$52,335$70,032$63,629
P C I$19,724$26,569$24,529
M D I$33,952$42,210$41,133
A T H E$45,055$54,185$50,898
S T R8.00%4.00%
W C J81.92%81.55%77.74%
(Zip) Code
14809

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

Map & walkability

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Listing information last refreshed 6/27/2025. Provided courtesy of Keller Williams Realty Gateway via Buffalo MLS. Information deemed reliable but not guaranteed.