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531 Sullivan Way, Cambridge, NY, 12816

2beds
1baths
1,044sqft
$189,000
$181price/sqft
$1,551/moest. monthly cost
$62,040/yrincome needed

About This Home

Cozy lakefront home with many attractions, like the fireplace, stained glass windows, a custom dining table that converts to an extra bedroom, a family room, and a deck leading to the private dock. The house is located in a lightly trafficed waterfront community. The home comes equipped with a Generac generator, leaf guards for the gutters, a fireplace insert, and hickory kitchen cabinets. There is a TV, AC units, and replacement windows for increased comfort. Perfect for summer enjoyment, and also ready for year-round use. House is being sold as-is.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Camp
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Washer/Dryer
  • Laundry features: Common Area,Main Level

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Den

  • Level: First

Family Room

  • Level: First

Features

  • High Speed Internet,Ceiling Fan(s),Vaulted Ceiling(s),Eat-in Kitchen,Kitchen Island,Built-in Features
  • Flooring: Carpet,Ceramic Tile,Hardwood,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Insert,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,044

Heating & Cooling

  • Heating features: Fireplace Insert,Forced Air,Propane,Wood
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,044
  • Total interior livable area: 1,044 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 534200 231.20142
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Lighting,Dock
  • Fencing: None
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Pond,Stairway
  • Waterbody name: Schoolhouse Pond

Lot

  • Lot size: 5,227 sqft
  • Features: Level,Road Frontage,Steep Slope,Views,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Off Street

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Washington 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 $955$11,460
Home Insurance *$78$936
Property Taxes $272$3,264
Electricity $246$2,954
Total$1,551$18,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,177/yr
40% on housing$46,530/yr
45% on housing$41,360/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: 3.7%
3.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 12816$196
Washington County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12816$168
Washington County$137

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
2026-03-10Listed for sale$199,000
2025-11-30Listing removed$199,000
2025-06-16Listed for sale$199,000
2025-06-04Pending sale$199,000
2025-06-02Listed for sale$199,000
2003-02-21Sold$55,000

For Sale by Agent

AgentKendal F Baker
BrokerageMarker's Octagon Realty

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