CCertihomes
10799 Cosby Manor Road, Deerfield, NY 13502

$489,900

4 beds 2 baths 2,228 sqft Built 202111 days on marketActive

About this home

Stunning 2021 Ranch Home on 3 Acres in Whitesboro School District. Welcome to this beautiful ranch-style home offering over 2, 200 sq ft of thoughtfully designed living space, all nestled on a serene 3-acre lot. Step inside to an open-concept floor plan featuring gorgeous bamboo hardwood floors throughout the spacious kitchen and living area—perfect for entertaining. The kitchen boasts granite countertops, soft close cabinets, a center island, stainless steel appliances, and a generous walk-in pantry. The luxurious primary suite serves as your own private retreat, complete with dual granite vanities, a Jacuzzi tub, large tiled shower, and a walk-in closet. Three additional well-sized bedrooms offer ample closet space and share a full bath with dual granite vanities. A convenient first-floor laundry room adds everyday ease. The full basement offers tremendous potential for additional living space, a home gym, or recreation room. Enjoy year-round comfort with central A/C and on-demand hot water. Outside, you'll find a large 3-car heated garage—perfect for vehicles, lawn equipment, or a workshop—plus a gravel circular driveway, a 20x20 stamped concrete patio, a tranquil trout pond, and breathtaking views that make every day feel like a getaway. Don’t miss your chance to own this one-of-a-kind property. Check out the 3D tour!

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
$5,156/mo

Real estate (PITI + HOA + PMI)
$4,558
Principal + interest$3,143
Property tax + insurance$1,231
PMI / 2nd mortgage$184
Utilities
$1,381
Heating + cooling$541
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$5,156/mo TLC
Budget$5,656/mo
Remaining after TLC$500/mo
Purchase price
$489,900
Down payment
$24,495 (5%)
Loan amount
$465,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
2021
Lot size
3 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$8,417
MLS #
S1622873
County
Oneida

At a glance

Air conditioning
Basement
Garage (3)

Home features

Appliances
DryerDishwasherGasOvenGasRangeGasWaterHeaterMicrowaveRefrigeratorTanklessWaterHeaterWasher
Interior
CeilingFansEntranceFoyerEatInKitchenSeparateFormalLivingRoomGraniteCountersJettedTubKitchenIslandPullDownAtticStairsSlidingGlassDoorsWalkInPantryNaturalWoodworkBedroomOnMainLevelBathInPrimaryBedroomMainLevelPrimaryPrimarySuiteProgrammableThermostat
Exterior
GravelDrivewayPlayStructurePatio
Parking
AttachedElectricityGarageHeatedGarageCircularDrivewayGarageDoorOpener
Flooring
Hardwood, Laminate, Varies
Roof
Pitched, Shingle
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Schools

Elementary
Deerfield Elementary
Middle
Parkway Middle
High
Whitesboro High

Neighborhood — 13502

MetricThis ZIPCountyUSA
Population29,02519,351,094299,088,112
Population Change Since1990-17.00%8.00%20.00%
Population Density609395
Male13,8339,381,926147,432,321
Female15,1919,969,168151,655,844
Never Married7,9864,946,39163,775,926
Married10,1677,166,701123,120,365
Separated1,6221,159,67312,639,686
Widowed2,4011,110,24515,467,586
Divorced2,1801,210,44823,075,029
Number Of House Hold11,5857,102,016111,826,380
Average House Hold Size2.352.642.60
Medial Age38.1036.5335.46
Median House Hold Income$32,508$49,847$48,276
Average House Hold Income$40,951$70,032$63,629
P C I$17,157$26,569$24,529
M D I$28,880$42,210$41,133
A T H E$38,331$54,185$50,898
S T R9.00%4.00%
W C J81.13%81.55%77.74%
(Zip) Code
13502

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/21/2025. Provided courtesy of eXp Realty via Buffalo MLS. Information deemed reliable but not guaranteed.