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3481 State Route 89, Seneca Falls, NY, 13148

2beds
2baths
1,469sqft
$999,900
$681price/sqft
$7,340/moest. monthly cost
$293,600/yrincome needed

About This Home

SELLER MOTIVATED!!! In the Heart of the Finger Lakes with Wineries, Breweries, Cideries & Vineyards. Relax in the tranquility of nature as a peaceful private getaway or entertaining family & friends. 24+ beautiful acres with a large pond & fountain stocked with fish, 157 feet of beautiful Cayuga Lakefront, The home features a spacious open layout, 2 open porches-1st and 2nd floors, screened in patio, 2 bedrooms and 1.5 baths, partially finish basement for extra space for entertaining. 2 detached garages for toys and storage & dock. Relax watching the many groupings of deer, turkey, countless varieties of birds, turtles, clusters of honey bees to name a few- A piece of Paradise is awaiting you! 2 lots on Rt 89 may be sub-divided from property. Please do not drive into driveway without an appointment.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
7/10
Mynderse AcademyGrades 9-125.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1864

Materials

  • Foundation: Stone
  • Roof: Asphalt,Shingle
  • Construction materials: Other,Vinyl Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Cooktop,Refrigerator
  • Laundry features: Upper Level

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Eat-in Kitchen,Living/Dining Room,Pull Down Attic Stairs,Sliding Glass Door(s)
  • Door features: Sliding Doors
  • Flooring: Carpet,Hardwood,Varies,Vinyl
  • Attic: Pull Down Stairs

Heating

  • Heating features: Other,See Remarks,Baseboard,Hot Water

Interior Area

  • Total structure area: 1,469
  • Total interior livable area: 1,469 sqft

Property

Details

  • Parcel number: 45228901300000020090100000
  • Special condition: Standard

Features

  • Patio & porch: Deck,Open,Porch,Screened
  • Exterior features: Deck,Dock,Gravel Driveway,Porch,See Remarks
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Beach Access,Dock Access,Lake,Pond
  • Waterbody name: Cayuga Lake
  • Frontage length: 157

Lot

  • Lot size: 24.72 Acres
  • Features: Agricultural,Irregular Lot,Secluded,Wooded

Parking

  • Total spaces: 5
  • Parking features: Detached,Garage,Driveway,Garage Door Opener,Other
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Drought
Hail
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Seneca County and New York

Flood
Severe 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 $5,056$60,672
Home Insurance *$464$5,568
Property Taxes $1,574$18,888
Electricity $246$2,954
Total$7,340$88,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$251,657/yr
40% on housing$220,200/yr
45% on housing$195,733/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: 2.2%
2.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$681This listing

vs Other Active Listings

Avg $/sqft

ZIP 13148$121
Seneca County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 13148$149
Seneca County$154

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)

No zestimate history available

Price History

DateEventPrice
2026-07-10Price change$999,900
2026-05-27Listed for sale$1,200,000
1999-12-23Sold$135,000
1996-11-06Sold$65,000
1995-12-04Sold$50,000

For Sale by Agent

AgentJennifer E. Fitzgerald
BrokerageLake To Lake Real Estate

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