CCertihomes
129 Fire Lane 13, Cato, NY 13080

$369,000

4 beds 2 baths 1,275 sqft Built 198922 days on marketActive

About this home

Welcome to your ideal lakeside getaway located on Cross Lake at Fire Lane 13. This location offers breathtaking lake views with 61 feet of deeded waterfront, and your very own private dock (dock is new, valued at $9, 000). Do not underestimate this house; it is significantly larger than it appears, and includes two distinct living areas, making it perfect for summer guests. The cottage comprises 4 bedrooms, 2 baths, 2 lofts, and 2 living rooms, featuring both wood & gas fireplaces, in addition there is an open-concept kitchen, living room and a lovely, enclosed porch and deck. Home is sold fully furnished! Whether you're looking for a weekend retreat or a year-round lake home, this is the one. Cross Lake is renowned for its stunning sunsets, exceptional fishing, and boating opportunities, and is linked to the NYS canal system, offering numerous additional avenues for exploration.

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
$3,753/mo

Real estate (PITI + HOA + PMI)
$3,306
Principal + interest$2,368
Property tax + insurance$796
HOA$4
PMI / 2nd mortgage$138
Utilities
$995
Heating + cooling$348
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,753/mo TLC
Budget$5,000/mo
Remaining after TLC$1,247/mo
Purchase price
$369,000
Down payment
$18,450 (5%)
Loan amount
$350,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Cottage, Ranch
Year built
1989
Lot size
0.1731 ac
Stories
0
Heating
Electric, Propane, Wood, Baseboard
Cooling
Water
Well
HOA
$50 / Annually
Annual tax
$4,915
MLS #
S1625178
County
Cayuga

At a glance

Fireplace
Waterfront

Home features

Appliances
ElectricWaterHeaterGasCooktopGasOvenGasRangeRefrigerator
Interior
CeilingFansCathedralCeilingsEatInKitchenFurnishedSeparateFormalLivingRoomLivingDiningRoomOtherSeeRemarksBedroomOnMainLevelLoft
Exterior
AwningsDeckDockEnclosedPorchGravelDrivewayPorchSeeRemarksPropaneTankLeased
Parking
NoGarageDriveway
Flooring
Carpet, Laminate, LuxuryVinyl, Varies
Roof
Asphalt
Sewer
SepticTank

Lot features

FloodZone, Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13080

MetricThis ZIPCountyUSA
Population3,91419,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density135395
Male1,9349,381,926147,432,321
Female1,9799,969,168151,655,844
Never Married7534,946,39163,775,926
Married1,7797,166,701123,120,365
Separated1201,159,67312,639,686
Widowed1901,110,24515,467,586
Divorced3071,210,44823,075,029
Number Of House Hold1,4607,102,016111,826,380
Average House Hold Size2.682.642.60
Medial Age38.2736.5335.46
Median House Hold Income$45,618$49,847$48,276
Average House Hold Income$52,841$70,032$63,629
P C I$19,829$26,569$24,529
M D I$39,180$42,210$41,133
A T H E$45,395$54,185$50,898
S T R8.00%4.00%
W C J78.08%81.55%77.74%
(Zip) Code
13080

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

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/26/2025. Provided courtesy of Howard Hanna Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.