1986 W Shore Rd, Bath, NY, 14810
About This Home
This charming 2 bedroom cottage can be enjoyed as a seasonal retreat or year round residence. Wake up to peaceful water views, and spend your days boating, fishing, kayaking, or simply relaxing on the deck. Whether you're looking for a weekend getaway, a full-time home, or an investment opportunity, this waterfront property offers endless possibilities.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1935
Materials
- Foundation: Pillar/Post/Pier
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Electric Water Heater
Basement
- Has basement: Yes
- Basement: Partial
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Other,See Remarks
- Flooring: Carpet,Laminate,Varies
- Number of fireplaces: 1
- Fireplace: Yes
Heating
- Heating features: Gas,Space Heater
Interior Area
- Total structure area: 576
- Total interior livable area: 576 sqft
Property
Details
- Parcel number: 4654001400190001031200
- Special condition: Estate
Features
- Levels: One
- Stories: 1
- Exterior features: Concrete Driveway
- On waterfront: Yes
- Waterfront features: Dock Access,Pond
- Waterbody name: Lake Demmon
- Frontage length: 17
Lot
- Lot size: 3,049 sqft
- Features: Irregular Lot
- Lot size dimensions: 66 x 87
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
- Cold Wave
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Steuben 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 | $555 | $6,660 |
| Home Insurance * | $61 | $732 |
| Property Taxes | $194 | $2,328 |
| Electricity | $246 | $2,954 |
| Total | $1,056 | $12,672 |
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 |
|---|---|---|
| 2026-07-24 | Listed for sale | $109,900 |
| 2013-07-05 | Sold | $39,000 |
| 2003-07-17 | Sold | $35,000 |
| 1997-05-27 | Sold | $26,500 |
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