22341 Luff Shores Ln, Three Mile Bay, NY, 13693
About This Home
Breathtaking Views & Bold Design at this Three Mile Bay Stunner! Featuring 150' of level shoreline with sweeping westerly views of Lake Ontario, these owners spared no expense renovating this one-of-a-kind lakefront retreat. Perfectly positioned on a pristine stretch of shoreline with a wide breakwall, this property offers panoramic views of the water from nearly every room that create a sense of escape and tranquility that's hard to find. Inside, you'll find a spacious open-concept layout done in neutral tones with pops of cobalt, all centered around large windows framing views of the water. The newly refinished kitchen includes new quartz counters, stainless steel appliances, and large center island great for preparing & entertaining. The adjacent living area flows seamlessly to the new deck, ideal for al fresco dining, morning coffee, and enjoying endless sunsets. You'll never want to leave the first floor primary bedroom, featuring high ceilings, ample floor space, and an incredible en suite bathroom... all wrapped in windows with direct access to the lake & deck. Upstairs you'll find 4 more spacious bedrooms and a full bathroom, all as light & bright as the rest of the home. Whether you're looking for a private lakefront getaway or a fantastic short-term rental investment, this home offers the perfect blend of casual sophistication & natural beauty. Contact an agent today for more information, or to schedule a showing!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1975
Materials
- Foundation: Block
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage,Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Electric Water Heater,Refrigerator
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Features
- Eat-in Kitchen,Kitchen Island,Quartz Counters,Main Level Primary,Primary Suite
- Flooring: Luxury Vinyl
- Number of fireplaces: 2
- Fireplace: Yes
Heating & Cooling
- Heating features: Ductless,Electric,Propane,Forced Air,Stove
- Cooling features: Ductless
Interior Area
- Total structure area: 2,196
- Total interior livable area: 2,196 sqft
Property
Details
- Parcel number: 2244890790060001020000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Exterior features: Deck,Dock,Gravel Driveway,See Remarks,Propane Tank - Leased
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Beach Access,Lake
- Waterbody name: Lake Ontario
- Frontage length: 150
Lot
- Lot size: 1.03 Acres
- Features: Rectangular,Rectangular Lot,Secluded
- Lot size dimensions: 150 x 300
Parking
- Total spaces: 2.5
- Parking features: Attached,Garage
- Has garage: Yes
- Attached garage spaces: 2.5
- Covered spaces: 2.5
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
- Winter Weather
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Jefferson 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 | $3,231 | $38,772 |
| Home Insurance * | $228 | $2,736 |
| Property Taxes | $702 | $8,424 |
| Electricity | $362 | $4,354 |
| Total | $4,523 | $54,276 |
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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $639,000 |
| 2025-11-01 | Listing removed | $639,900 |
| 2025-09-03 | Price change | $639,900 |
| 2025-07-24 | Listed for sale | $649,900 |
| 2024-01-29 | Listing removed | $425,000 |
| 2024-01-13 | Listed for sale | $425,000 |
| 2023-11-12 | Contingent | $425,000 |
| 2023-09-23 | Listed for sale | $425,000 |
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