CCertihomes
120 Ridings Drive, Niles, NY 13077

$930,000

2 beds 1 baths 620 sqft Built 19404 days on marketActive

About this home

Discover the perfect lake escape at 120 Ridings Drive, offering 100 feet of pristine Skaneateles Lake frontage. This classic 2-bedroom, 1-bath seasonal cottage is nestled among mature trees, providing a peaceful and private setting just steps from the water. Inside, the open living area features vaulted ceilings with exposed beams, wood-paneled walls, and a stone fireplace with wood stove insert—ideal for cool summer nights. French doors lead to the screened porch, where you can relax and take in beautiful lake views. The cottage includes a functional kitchen, full bath, and laundry area. Outdoors, you’ll find a new driveway and parking area, a lakeside sitting area, and private dock access for swimming, boating, and fishing. This property offers the opportunity to create lasting memories and enjoy the unmatched beauty of Skaneateles Lake. Whether you choose to keep the rustic charm or update to suit your style, this lakefront property is ready for its next chapter. Delayed Showings till Thursday 8/14/2025. OPEN HOUSE Sunday August 17th 12-3pm.

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
$6,385/mo

Real estate (PITI + HOA + PMI)
$6,291
Principal + interest$4,218
Property tax + insurance$1,724
PMI / 2nd mortgage$349
Utilities
$703
Heating + cooling$202
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$6,385/mo TLC
Budget$6,885/mo
Remaining after TLC$500/mo
Purchase price
$930,000
Down payment
$46,500 (5%)
Loan amount
$883,500
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Cottage
Year built
1940
Lot size
0.6018 ac
Stories
1
Heating
Other, SeeRemarks, None
Cooling
Water
Lake, River
HOA
Annual tax
$10,435
MLS #
S1629278
County
Cayuga

At a glance

Fireplace
Waterfront

Home features

Appliances
ElectricOvenElectricRangeElectricWaterHeater
Interior
EntranceFoyerCountryKitchenBedroomOnMainLevel
Exterior
GravelDriveway
Parking
NoGarage
Flooring
Hardwood, Varies
Sewer
SepticTank

Lot features

Rectangular, RectangularLot

Neighborhood — 13077

MetricThis ZIPCountyUSA
Population6,68919,351,094299,088,112
Population Change Since1990-4.00%8.00%20.00%
Population Density97395
Male3,2289,381,926147,432,321
Female3,4609,969,168151,655,844
Never Married1,2624,946,39163,775,926
Married3,0847,166,701123,120,365
Separated2581,159,67312,639,686
Widowed3531,110,24515,467,586
Divorced4861,210,44823,075,029
Number Of House Hold2,4587,102,016111,826,380
Average House Hold Size2.692.642.60
Medial Age38.8436.5335.46
Median House Hold Income$46,965$49,847$48,276
Average House Hold Income$62,235$70,032$63,629
P C I$23,533$26,569$24,529
M D I$40,174$42,210$41,133
A T H E$50,705$54,185$50,898
S T R8.00%4.00%
W C J72.70%81.55%77.74%
(Zip) Code
13077

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

Map & walkability

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Listing information last refreshed 8/13/2025. Provided courtesy of Howard Hanna Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.