8681 Lower Lake Rd, Lodi, NY, 14860
About This Home
Nestled along the serene shores of Seneca Lake, this ranch year-round home offers the perfect blend of modern comforts and lakeside tranquility. In the Heart of the Fingerlakes amid wineries, vineyards & Breweries. Offering over 3 beautiful acres with a large level yard & ~77 feet of pristine lakefront, this property is ideal for both relaxation and entertainment. The home features a spacious, open layout designed for seamless living and entertaining, with living spaces that flow effortlessly from the inside to the outside. The main living areas feature a living room with high ceilings, a cozy gas fireplace, kitchen with an island, central air & multiple dining areas. It offers plenty of space for guests and family alike, with 3 bedrooms and 2 baths, including a primary suite that has lake views. Whether you're looking for a peaceful getaway or a place to host memorable summer parties, this East Side Seneca Lake property is the ultimate lakeside haven. The multiple outdoor seating areas provide ideal spots to enjoy lakeside sunsets over the lake and evening breezes. The highlight of this lakeside paradise is the oversized dock, equipped with a boat house and a double jet ski lift, providing ample space for all your water toys and an ideal spot for fishing, swimming, or simply soaking up the sun. The expansive yard is perfect for picnics, lawn games, or simply relaxing. Whether you're spending the day on the lake or hosting a lakeside barbecue, this outdoor space is built for fun and relaxation. For added convenience, the property includes camping hookups for up to 3 campers, making it an ideal retreat for family and friends. With plenty of space to roam and stunning views you will be sure to create lasting memories. Potential for extra living space on 2nd level. All this on a Municipality serviced year round road & walking distance to Lodi State Park! Listing Agent is related to the Sellers.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2011
Materials
- Foundation: Pillar/Post/Pier
- Roof: Asphalt,Architectural,Shingle
- Construction materials: Attic/Crawl Hatchway(s) Insulated,Vinyl Siding,PEX Plumbing
Type & Style
- Home type: SingleFamily
- Architectural style: Modular/Prefab,Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Water Heater,Gas Cooktop,Gas Oven,Gas Range,Microwave,Water Purifier Owned
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Ceiling Fan(s),Central Vacuum,Den,Eat-in Kitchen,Separate/Formal Living Room,Kitchen Island,Kitchen/Family Room Combo,Living/Dining Room,Sliding Glass Door(s),Natural Woodwork,Main Level Primary,Programmable Thermostat
- Door features: Sliding Doors
- Window features: Thermal Windows
- Flooring: Luxury Vinyl
- Number of fireplaces: 1
- Fireplace: Yes
Heating & Cooling
- Heating features: Gas,Electric,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,560
- Total interior livable area: 1,560 sqft
Property
Details
- Parcel number: 45268900800000010340000000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Open,Patio,Porch
- Exterior features: Awning(s),Deck,Dock,Gravel Driveway,Patio,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,Boat Ramp/Lift Access,Dock Access,Lake
- Waterbody name: Seneca Lake
- Frontage length: 81
Lot
- Lot size: 2.90 Acres
- Features: Corner Lot,Irregular Lot,Residential Lot,Secluded
- Lot size dimensions: 77 x 566
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
- Drought
- Hail
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Seneca 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 | $3,994 | $47,928 |
| Home Insurance * | $81 | $972 |
| Property Taxes | $1,244 | $14,928 |
| Electricity | $257 | $3,093 |
| Total | $5,576 | $66,912 |
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 |
|---|---|---|
| 2026-04-24 | Price change | $799,900 |
| 2026-03-23 | Listed for sale | $849,900 |
| 2026-01-29 | Listing removed | $849,900 |
| 2025-11-15 | Listed for sale | $849,900 |
| 2008-08-27 | Sold | $250,000 |
| 2008-06-11 | Listed for sale | $275,000 |
View on Zillow