CCertihomes
7045 Pine Lake Terrace, Pendleton, NY 14120

$789,900

3 beds 3 baths 2,331 sqft Built 20191 days on marketActive

About this home

This thoughtfully designed ranch, built in 2019, sits on 1.2 acres and offers a rare combination of refined interior finishes w/a picturesque outdoor setting, including professional landscaping and direct access to a fully stocked pond. The property line extends beyond the water, offering a scenic and private outdoor backdrop perfect for everyday relaxation, entertaining or both! Inside, an open layout connects kitchen, dining and living areas, w/hardwood flooring, crown molding and abundant natural light throughout. At the heart of the space, a large kitchen island anchors the room and offers plenty of seating plus workspace, making it the hub for everyday living and entertaining. The living room is warm and inviting, highlighted by a gas fireplace w/stone surround, custom built-ins and a reclaimed wood mantel locally sourced from a 1890s barn – adding a unique touch of history and character to the modern design. Whether arriving through the front foyer or entering from the attached garage, this home is designed for comfortable living w/practical storage, thoughtful transitions and a layout that balances function and style. The foyer features double solid wood doors, tile flooring and additional hall closet. A light-filled office w/tray ceiling, plantation shutters and French doors provides a quiet, polished workspace just off the entry. The primary suite offers hardwood floors, tray ceiling, serene pond views and an oversized en-suite w/expansive double vanity and glass walk-in shower w/floor-to-ceiling tile as well as a custom walk-in closet. Two additional bedrooms at the front of the home share a full bath featuring a double vanity w/quartz counters and separate shower area. Additional highlights include a walk-in kitchen panty, mudroom w/cubbies, half bath and laundry room w/tile flooring and granite-topped utility sink. The insulated basement features drywall, plumbing and electrical all in place, w/a roughed-in bath and bedroom w/egress plus a large storage area too. This home is a must-see – combining quality craftsmanship and thoughtful design on a spacious, well-planned lot tailored for modern living in the sought-after Starpoint School District!

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
$6,073/mo

Real estate (PITI + HOA + PMI)
$5,613
Principal + interest$3,583
Property tax + insurance$1,734
PMI / 2nd mortgage$296
Utilities
$1,320
Heating + cooling$506
Internet + TV + phone$142
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$142
$6,073/mo TLC
Budget$6,573/mo
Remaining after TLC$500/mo
Purchase price
$789,900
Down payment
$39,495 (5%)
Loan amount
$750,405
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
2019
Lot size
1.2 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$11,200
MLS #
B1624199
County
Niagara

At a glance

Air conditioning
Fireplace
Basement
Garage (2)

Home features

Appliances
AppliancesNegotiableDryerDishwasherExhaustFanGasOvenGasRangeGasWaterHeaterMicrowaveRefrigeratorRangeHoodWasher
Interior
BathroomRoughInCeilingFansDenEntranceFoyerKitchenIslandKitchenFamilyRoomComboQuartzCountersSlidingGlassDoorsWalkInPantryBedroomOnMainLevelMainLevelPrimaryPrimarySuiteProgrammableThermostat
Exterior
ConcreteDrivewayPatio
Parking
AttachedGarageHeatedGarageStorageWaterAvailableGarageDoorOpener
Flooring
Carpet, Hardwood, Tile, Varies
Roof
Architectural, Shingle
Sewer
Connected

Lot features

IrregularLot, ResidentialLot

Schools

Elementary
Starpoint Intermediate
Middle
Starpoint Middle
High
Starpoint High

Neighborhood — 14120

MetricThis ZIPCountyUSA
Population38,23619,351,094299,088,112
Population Change Since1990-5.00%8.00%20.00%
Population Density1,140395
Male18,6299,381,926147,432,321
Female19,6079,969,168151,655,844
Never Married8,0874,946,39163,775,926
Married17,9027,166,701123,120,365
Separated7471,159,67312,639,686
Widowed2,4051,110,24515,467,586
Divorced2,4731,210,44823,075,029
Number Of House Hold14,6047,102,016111,826,380
Average House Hold Size2.602.642.60
Medial Age39.4336.5335.46
Median House Hold Income$47,037$49,847$48,276
Average House Hold Income$54,460$70,032$63,629
P C I$20,940$26,569$24,529
M D I$40,271$42,210$41,133
A T H E$46,240$54,185$50,898
S T R8.00%4.00%
W C J75.73%81.55%77.74%
(Zip) Code
14120

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

Map & walkability

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Listing information last refreshed 8/7/2025. Provided courtesy of MJ Peterson Real Estate Inc. via Buffalo MLS. Information deemed reliable but not guaranteed.