CCertihomes
3952 Merganser Drive, Clay, NY 13090

$249,900

3 beds 2 baths 1,128 sqft Built 19792 days on marketActive

About this home

Welcome to this cozy 3 bedroom, 1.5 bathroom split-level home in Liverpool! Step inside to discover an inviting living room with elegant hardwood floors and a wood-burning fireplace, perfect for the winter months in central New York. The main floor's open layout seamlessly connects the living room, dining area, and kitchen, creating a conducive space for gatherings. Enjoy the modern touch of granite countertops and painted kitchen cabinets, complemented by dimmable lighting throughout the main floor and most of the bedrooms. The newly renovated finished basement area and downstairs foyer offer extra living space, ideal for a home office, recreational area, extra storage, and/or a mudroom. Ceiling fans in the living room and two of the bedrooms ensure comfort year-round. The 1-car garage provides a shop space and storage for lawn tools. The fully fenced in yard offers privacy and security, while still allowing easy access to the town park and a playground just behind the back gate. This home is conveniently located in a quiet neighborhood off Route 57, close to local amenities, Rt 31, and highway 481. A community park complete with a basketball court and gazebo is just a short walk away. Recent updates include a new hot water heater, refrigerator, furnace, AC, washer and dryer, sump pump, garage door, and a freshly painted living room and upstairs bathroom. The newly installed cedar window box adds a touch of curb appeal. Don't miss your chance to own this beautiful home! No negotiations until after the open house on Sunday 8/17. Come see all that this wonderful property has to offer while you can!

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
$2,899/mo

Real estate (PITI + HOA + PMI)
$2,425
Principal + interest$1,603
Property tax + insurance$728
PMI / 2nd mortgage$94
Utilities
$946
Heating + cooling$320
Internet + TV + phone$140
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$140
$2,899/mo TLC
Budget$5,000/mo
Remaining after TLC$2,101/mo
Purchase price
$249,900
Down payment
$12,495 (5%)
Loan amount
$237,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
SplitLevel
Year built
1979
Lot size
0.15 ac
Stories
1
Heating
Gas, ForcedAir, HotWater
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$5,478
MLS #
S1623333
County
Onondaga

At a glance

Air conditioning
Fireplace
Basement
Garage (1)

Home features

Appliances
DryerDishwasherElectricOvenElectricRangeGasWaterHeaterMicrowaveRefrigeratorWasher
Interior
CeilingFansEntranceFoyerEatInKitchenSeparateFormalLivingRoomGraniteCounters
Exterior
BlacktopDrivewayDeckFullyFenced
Parking
AttachedGarageDrivewayGarageDoorOpener
Flooring
Hardwood, Laminate, LuxuryVinyl, Tile, Varies, Vinyl
Roof
Architectural, Shingle
Sewer
Connected

Lot features

FloodZone, Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13090

MetricThis ZIPCountyUSA
Population29,00319,351,094299,088,112
Population Change Since1990-1.00%8.00%20.00%
Population Density2,226395
Male14,1209,381,926147,432,321
Female14,8839,969,168151,655,844
Never Married6,0244,946,39163,775,926
Married13,2277,166,701123,120,365
Separated7961,159,67312,639,686
Widowed9251,110,24515,467,586
Divorced1,8161,210,44823,075,029
Number Of House Hold10,8857,102,016111,826,380
Average House Hold Size2.662.642.60
Medial Age34.2236.5335.46
Median House Hold Income$61,223$49,847$48,276
Average House Hold Income$66,845$70,032$63,629
P C I$25,587$26,569$24,529
M D I$50,729$42,210$41,133
A T H E$53,259$54,185$50,898
S T R8.00%4.00%
W C J80.08%81.55%77.74%
(Zip) Code
13090

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

Map & walkability

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Listing information last refreshed 8/15/2025. Provided courtesy of APEX Real Estate Brokerage Ser via Buffalo MLS. Information deemed reliable but not guaranteed.