




27358 County Route 57, Three Mile Bay, NY, 13693
About This Home
Imagine a life where every day feels like a vacation. Set on a sprawling 1.6 acres with 173 feet of private water frontage on a protected sandy cove, this is truly the "lake house of all lake houses." The property is uniquely positioned to offer the best of both worlds: miles of views that capture stunning sun and moonrises on one side, and world-class sunsets on the other. Whether you are into crystal-clear swimming, boating, or taking advantage of what is arguably the most renowned fishing in the United States, this homestead provides an unparalleled waterfront lifestyle. Inside, the home is designed so that rooms capture the water. The heart of the house is an expansive chef's kitchen that overlooks a dining and living area centered around a cozy fireplace. The entire open-concept space gazes out over Chaumont Bay with direct access to the deck—perfect for indoor-outdoor entertaining. The main floor is designed for convenience, featuring a spacious primary suite with a large ensuite, along with two additional bedrooms and a second full bathroom. Stunning hardwoods throughout and home offers radiant in floor heat above and below. For those looking for even more room to grow, the potential here is massive. An expansive loft provides a flexible secondary living space, while the enormous basement—already constructed with large rooms ready for finishing—offers a blank canvas to significantly increase your square footage. From the house, you can even see views stretching all the way to Dry Hill. Completing the package is an attached one-stall garage, a separate pole barn for all the toys, and a paved driveway. This is a rare, spectacular opportunity to own a piece of waterfront that truly has it all.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 2003
Materials
- Foundation: Poured,Stone
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Dining Area,Entrance Foyer,Eat-in Kitchen,Galley Kitchen,Great Room,Country Kitchen,Kitchen Island,Storage,Convertible Bedroom,Loft,Main Level Primary,Primary Suite,Workshop
- Flooring: Hardwood,Varies
- Number of fireplaces: 1
- Fireplace: Yes
Heating
- Heating features: Propane,Oil,Baseboard,Hot Water,Radiant
Interior Area
- Total structure area: 3,112
- Total interior livable area: 3,112 sqft
Property
Details
- Parcel number: 2244890600000001005800
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: Blacktop Driveway
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Chaumont Bay
- Frontage length: 173
Lot
- Lot size: 1.61 Acres
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 172 x 407
Parking
- Total spaces: 3
- Parking features: Attached,Electricity,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
- 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 | $3,792 | $45,504 |
| Home Insurance * | $267 | $3,204 |
| Property Taxes | $825 | $9,900 |
| Electricity | $514 | $6,171 |
| Total | $5,398 | $64,776 |
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 |
|---|---|---|
| 2026-07-28 | Price change | $750,000 |
| 2026-07-16 | Price change | $775,000 |
| 2026-05-17 | Listed for sale | $799,900 |
| 2002-04-24 | Sold | $52,500 |
