CCertihomes
4108 High Banks, Fayette, NY 14456

$989,000

3 beds 2 baths 2,059 sqft Built 195219 days on marketActive

About this home

Welcome to your Dream Lakefront 2 HOME Retreat—this stunning Log cabin home offers 100 feet of prime Seneca Lake frontage, spread across TWO Home Parcels for a rare and versatile opportunity! The main Log home boasts 90 feet of frontage and features an open floor plan with a large formal living room enhanced with cathedral ceilings, exposed wood beams, and sweeping lake views. A spacious family room is anchored by a floor-to-ceiling stone fireplace, while the formal dining area with glass sliding doors leads to a generous deck and deep backyard that takes you right to the water’s edge via metal steps. The kitchen includes bar seating and flows seamlessly into the living areas, all enhanced by rich hardwood floors throughout & some carpet. The first floor offers two bedrooms and a full bath, while the second floor includes an additional bedroom and full bath, with hardwood staircase leading down to main floor. The lower level of the main house is partially finished with a full kitchen and living area, adding even more space to enjoy or entertain PLUS a great deal of storage. This exceptional property has public water and the potential for natural gas service in the future. A 48-hour notice is required to show. The second parcel includes an oversized two-car garage, separate driveway with a fully furnished one-bedroom apartment above, complete with a beautiful enclosed porch offering panoramic lake views. The apartment has separate utilities from the main house, making it ideal for guests, rental income, or a private getaway. Older dock is stacked on the beach front and in "as in" condition, 62 steps down to lake frontage with sturdy steps and 2 large landings. Agents, please be sure to read and share private remarks. This home has been loved for many, many years and has so much to offer on a private and spacious lot!

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
$7,326/mo

Real estate (PITI + HOA + PMI)
$6,920
Principal + interest$4,486
Property tax + insurance$2,055
HOA$8
PMI / 2nd mortgage$371
Utilities
$1,382
Heating + cooling$539
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$7,326/mo TLC
Budget$7,826/mo
Remaining after TLC$500/mo
Purchase price
$989,000
Down payment
$49,450 (5%)
Loan amount
$939,550
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Contemporary, LogHome
Year built
1952
Lot size
0.37 ac
Stories
0
Heating
Electric, Propane, Zoned, Baseboard, HotWater
Cooling
Zoned
Water
Connected, Public
HOA
$100 / Annually
Annual tax
$12,960
MLS #
R1624191
County
Seneca

At a glance

Fireplace
Basement
Garage (2)
Waterfront

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeMicrowavePropaneWaterHeaterRefrigeratorWasher
Interior
BreakfastBarCeilingFansCathedralCeilingsSeparateFormalDiningRoomEatInKitchenSeparateFormalLivingRoomPartiallyFurnishedSlidingGlassDoorsSecondKitchenBedroomOnMainLevel
Exterior
DeckDockEnclosedPorchGravelDrivewayPorchSeeRemarksPropaneTankLeased
Parking
DetachedElectricityGarageStorageWorkshopInGarageCircularDrivewayGarageDoorOpener
Flooring
Carpet, Hardwood, Varies, Vinyl
Roof
Asphalt
Sewer
SepticTank

Lot features

Other, Rectangular, RectangularLot, SeeRemarks

Neighborhood — 14456

MetricThis ZIPCountyUSA
Population22,22419,351,094299,088,112
Population Change Since19904.00%8.00%20.00%
Population Density295395
Male10,7099,381,926147,432,321
Female11,5169,969,168151,655,844
Never Married6,1524,946,39163,775,926
Married8,3527,166,701123,120,365
Separated8161,159,67312,639,686
Widowed1,5181,110,24515,467,586
Divorced1,6711,210,44823,075,029
Number Of House Hold7,9987,102,016111,826,380
Average House Hold Size2.552.642.60
Medial Age35.9436.5335.46
Median House Hold Income$40,133$49,847$48,276
Average House Hold Income$49,495$70,032$63,629
P C I$18,962$26,569$24,529
M D I$34,961$42,210$41,133
A T H E$43,346$54,185$50,898
S T R7.13%4.00%
W C J78.33%81.55%77.74%
(Zip) Code
14456

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 Howard Hanna via Buffalo MLS. Information deemed reliable but not guaranteed.