403 Fire Ln Suite 26, Moravia, NY, 13118
About This Home
Escape to peaceful lakefront living! Charming 2 bedroom, 1 bath cottage nestled amongst the trees on the east side of Owasco Lake. Perfect as a weekend getaway or a 3-season retreat. Relax on the wrap-around deck overlooking the lake below, as well as gorgeous sunsets and distant views. There’s 60 ft. of direct lake frontage and your own private dock. Inside, the cottage features a warm and inviting layout with comfortable living spaces and fully equipped kitchen. The newly updated open living area creates a relaxed atmosphere. Recent updates include new roof, LVP flooring, insulated ceilings, triple pane windows throughout, French door, new stove and refrigerator. A storage shed provides additional space for tools, lake gear, and outdoor equipment. Here’s your opportunity to own an affordable piece of property on the lake to enjoy for years to come!
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Resale
- Year built: 1964
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage,Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator
Basement
- Basement: None
Bedroom1
- Level: First
Bedroom2
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Furnished,Separate/Formal Living Room,Living/Dining Room,Bedroom on Main Level,Main Level Primary
- Flooring: Laminate,Varies
- Number of fireplaces: 1
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Other,See Remarks,None,Space Heater
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 955
- Total interior livable area: 955 sqft
Kitchen
- Level: First
Property
Details
- Parcel number: 05440016500000010452170000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Deck,Dock,Fence,See Remarks
- Fencing: Partial
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Dock Access,Lake
- Waterbody name: Owasco Lake
- Frontage length: 60
Lot
- Lot size: 0.59 Acres
- Features: Agricultural,Rectangular,Rectangular Lot
- Lot size dimensions: 60 x 430
Parking
- Parking features: No Garage,Driveway
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 | $1,516 | $18,192 |
| Home Insurance * | $107 | $1,284 |
| Property Taxes | $454 | $5,448 |
| Electricity | $246 | $2,954 |
| Total | $2,323 | $27,876 |
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 |
|---|---|---|
| 2026-05-28 | Listed for sale | $299,900 |
| 2021-07-13 | Sold | $220,000 |
| 2005-10-03 | Sold | $100,000 |
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