CCertihomes
22341 Luff Shores Lane, Lyme, NY 13693

$649,900

5 beds 3 baths 2,196 sqft Built 197517 days on marketActive

About this home

Breathtaking Views & Bold Design at this Three Mile Bay Stunner! Featuring 150' of level shoreline with sweeping westerly views of Lake Ontario, these owners spared no expense renovating this one-of-a-kind lakefront retreat. Perfectly positioned on a pristine stretch of shoreline with a wide breakwall, this property offers panoramic views of the water from nearly every room that create a sense of escape and tranquility that's hard to find. Inside, you'll find a spacious open-concept layout done in neutral tones with pops of cobalt, all centered around large windows framing views of the water. The newly refinished kitchen includes new quartz counters, stainless steel appliances, and large center island great for preparing & entertaining. The adjacent living area flows seamlessly to the new deck, ideal for al fresco dining, morning coffee, and enjoying endless sunsets. You'll never want to leave the first floor primary bedroom, featuring high ceilings, ample floor space, and an incredible en suite bathroom... all wrapped in windows with direct access to the lake & deck. Upstairs you'll find 4 more spacious bedrooms and a full bathroom, all as light & bright as the rest of the home. Whether you're looking for a private lakefront getaway or a fantastic short-term rental investment, this home offers the perfect blend of casual sophistication & natural beauty. Contact an agent today for more information, or to schedule a showing!

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
$6,137/mo

Real estate (PITI + HOA + PMI)
$5,531
Principal + interest$4,170
Property tax + insurance$1,117
PMI / 2nd mortgage$244
Utilities
$1,520
Heating + cooling$612
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$6,137/mo TLC
Budget$6,637/mo
Remaining after TLC$500/mo
Purchase price
$649,900
Down payment
$32,495 (5%)
Loan amount
$617,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cottage, Contemporary
Year built
1975
Lot size
1.03 ac
Stories
2
Heating
Ductless, Electric, Propane, ForcedAir, Stove
Cooling
Ductless
Water
Lake, River
HOA
Annual tax
$5,349
MLS #
S1625275
County
Jefferson

At a glance

Air conditioning
Fireplace
Garage (2)
Waterfront

Home features

Appliances
ElectricOvenElectricRangeElectricWaterHeaterRefrigerator
Interior
EatInKitchenKitchenIslandQuartzCountersMainLevelPrimaryPrimarySuite
Exterior
DeckDockGravelDrivewaySeeRemarksPropaneTankLeased
Parking
AttachedGarage
Flooring
LuxuryVinyl
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

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 7/24/2025. Provided courtesy of NNY Homes Inc via Buffalo MLS. Information deemed reliable but not guaranteed.