CCertihomes
126 Ridings Drive, Niles, NY 13077

$1,200,000

3 beds 2 baths 931 sqft Built 19534 days on marketActive

About this home

Experience the charm of lakeside living with this rare three-season Skaneateles Lake cottage, perfectly situated to capture stunning panoramic views and 125 feet of crystal-clear frontage. Designed for making lasting memories, this unique property features both a main camp and a private bunk house, offering ample space for family and friends. The main camp is split into two connected structures — one with a bright, open kitchen and living area boasting vaulted ceilings, open shelving, built-in bench seating, and a cozy wood-burning fireplace, and the other with two comfortable bedrooms and a full bath, sleeping four. A breezeway connects the spaces, leading to the expansive new 60-foot deck—nearly 800 sq ft—perfect for entertaining while overlooking the sparkling water. The separate private bunk house sleeps six and includes its own full bathroom, ideal for guests or extended stays. Outdoor living shines with a custom-built second-tier fire pit and lounge area, picnic space, and new stairs leading directly to the water, dock, and hoist for your boat or watercraft. Recent updates include a new metal roof, expansive decking, and thoughtfully designed outdoor spaces to maximize the breathtaking setting. Located on one of the most desirable lakes in the Finger Lakes region, this retreat offers peaceful seclusion while being just minutes from the charming village of Skaneateles, known for its boutique shopping, fine dining, and year-round events. Delayed showings till 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
$8,104/mo

Real estate (PITI + HOA + PMI)
$8,026
Principal + interest$5,443
Property tax + insurance$2,133
PMI / 2nd mortgage$450
Utilities
$873
Heating + cooling$287
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$8,104/mo TLC
Budget$8,604/mo
Remaining after TLC$500/mo
Purchase price
$1,200,000
Down payment
$60,000 (5%)
Loan amount
$1,140,000
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Cottage
Year built
1953
Lot size
0.7031 ac
Stories
1
Heating
Other, SeeRemarks, Baseboard, Stove
Cooling
Water
Lake, River
HOA
Annual tax
$12,310
MLS #
S1629279
County
Cayuga

At a glance

Fireplace
Waterfront

Home features

Appliances
DishwasherElectricOvenElectricRangeElectricWaterHeater
Interior
BreakfastAreaKitchenFamilyRoomComboStorageBedroomOnMainLevel
Exterior
GravelDriveway
Parking
NoGarage
Flooring
Varies, Vinyl
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.

126 Ridings Drive · Niles — $1,200,000 · Certihomes