126 Ridings Dr, Homer, NY, 13077
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.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Resale
- Year built: 1953
Materials
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater
- Laundry features: Main Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Breakfast Area,Kitchen/Family Room Combo,Storage,Bedroom on Main Level
- Flooring: Varies,Vinyl
- Number of fireplaces: 1
- Fireplace: Yes
Heating
- Heating features: Other,See Remarks,Baseboard,Stove
Interior Area
- Total structure area: 931
- Total interior livable area: 931 sqft
Property
Details
- Parcel number: 05440016900300010100000000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Exterior features: Gravel Driveway
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Skaneateles Lake
- Frontage length: 125
Lot
- Lot size: 0.70 Acres
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 125 x 245
Parking
- Parking features: No Garage
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
- Ice Storm
- Hail
- Lightning
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Cayuga County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,051 | $60,612 |
| Home Insurance * | $484 | $5,808 |
| Property Taxes | $1,515 | $18,180 |
| Electricity | $246 | $2,954 |
| Total | $7,296 | $87,552 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-21 | Price change | $1,100,000 |
| 2026-03-11 | Listed for sale | $999,000 |
| 2025-10-14 | Listing removed | $999,000 |
| 2025-08-29 | Price change | $999,000 |
| 2025-08-13 | Listed for sale | $1,200,000 |
| 2024-10-11 | Sold | $375,000 |
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