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5360 Church Rd, Moravia, NY, 13118

2beds
2baths
1,104sqft
$374,900
$340price/sqft
$2,843/moest. monthly cost
$113,720/yrincome needed

About This Home

Set in harmony with the land, this thoughtfully updated earth berm home on 31.68± acres reflects a quieter way of living—built on balance, efficiency, and connection. Originally constructed in 1983 and extensively renovated in 2015, the home has been carefully maintained and refined into a space that feels grounded and full of light. A south-facing wall of glass defines the interior, drawing in natural sunlight that fills the open living space throughout the day. The layout is practical and comfortable—anchored by a gas stove, supported by electric systems and Mitsubishi mini-splits, and finished with a blend of carpet, LVT, and tile. A spacious bathroom off the kitchen features a walk-in shower, while the primary suite offers a large bedroom, walk-in closet, and private bath with full tub and shower. A second bedroom provides additional flexibility, and laundry is tucked into a hall closet off the kitchen. Built with eight-inch concrete walls on three sides, the earth-sheltered design supports natural insulation and year-round efficiency. A root cellar maintains a steady temperature around 44 degrees and houses the mechanicals. Water is abundant, supplied by both a deep drilled well and a natural spring. A 1,000-gallon septic system—recently pumped—and a roof approximately 12 years old round out the home’s intentional infrastructure. Outside, the land reflects abundant stewardship. Roughly half the acreage is leased for organic farming with no chemical inputs. A spring-fed pond supports fish and wildlife, while the wooded portion remains unlogged. A three-bay garage with concrete floors, 220 electric, subpanel, wood stove, and metal roof adds utility and function for a wide range of users. Located just 1.5 miles from the area-famous Frozen Ocean State Forest, the setting extends beyond its boundaries—where home and ground work together in quiet alignment. Please provide ample time to schedule a showing. Proof of funds or proof of pre-qualification required for confirmation.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1983

Materials

  • Foundation: Poured,Slab
  • Roof: Asphalt
  • Construction materials: Blown-In Insulation,Fiber Cement,Frame,Other,See Remarks,Structural Insulated Panels

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Propane Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Kitchen/Family Room Combo,Other,See Remarks,Storage,Bedroom on Main Level,Main Level Primary
  • Flooring: Carpet,Ceramic Tile,Laminate,Varies

Heating & Cooling

  • Heating features: Ductless,Electric,Propane
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,104
  • Total interior livable area: 1,104 sqft

Property

Details

  • Parcel number: 05428917800000010120110000
  • On leased land: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Dirt Driveway,Gravel Driveway,Patio,Propane Tank - Leased
  • On waterfront: Yes
  • Waterfront features: River Access,Stream
  • Waterbody name: Decker Creek
  • Frontage length: 1227

Lot

  • Lot size: 31.68 Acres
  • Features: Flood Zone,Irregular Lot,Other,See Remarks
  • Lot size dimensions: 1162 x 1156

Parking

  • Total spaces: 3
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Hail
Lightning
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Cayuga County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,895$22,740
Home Insurance *$134$1,608
Property Taxes $568$6,816
Electricity $246$2,954
Total$2,843$34,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,474/yr
40% on housing$85,290/yr
45% on housing$75,813/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 3.3%
3.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 13118$164
Cayuga County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 13118$152
Cayuga County$142

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-01Listed for sale$379,900
2016-01-27Sold$112,000
2000-11-29Sold$79,900

For Sale by Agent

AgentTimothy G. Kent
BrokerageWhitetail Properties Real Estate, LLC

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