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27358 County Route 57, Three Mile Bay, NY, 13693

3beds
2baths
3,112sqft
$750,000
$241price/sqft
$5,398/moest. monthly cost
$215,920/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
Lyme Central SchoolGrades PK-125.5 mi

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
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Jefferson County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Tropical Depression
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $3,792$45,504
Home Insurance *$267$3,204
Property Taxes $825$9,900
Electricity $514$6,171
Total$5,398$64,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,074/yr
40% on housing$161,940/yr
45% on housing$143,946/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 13693$174
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13693$397
Jefferson County$126

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

DateEventPrice
2026-07-28Price change$750,000
2026-07-16Price change$775,000
2026-05-17Listed for sale$799,900
2002-04-24Sold$52,500

For Sale by Agent

AgentKiah Sugrue
BrokerageLake Ontario Realty, LLC

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