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9045 Prossick Rd, Lodi, NY, 14860

2beds
2baths
1,400sqft
$525,000
$375price/sqft
$3,780/moest. monthly cost
$151,200/yrincome needed

About This Home

Seneca Lake views and private lake access are yours with this custom two story chalet inspired home. Backed by acres of vineyards overlooking the lake, the home is just down from Rt. 414, in a private subdivision off of Rhodes Rd. The neighborhood is comprised of mostly 2-10 acre wooded parcels, with homes enjoying stunning views and privacy. This chic home, built in 2019 is a custom cottage with all the bells and whistles. Filled with light from the well placed windows, it begins with a main level master and bath/laundry suite, fully equipped kitchen, and living room with propane heating stove on the main floor, all wrapped in warm wood finishes including long-lasting hickory floors. The second level with lake facing dormer windows includes a bedroom, bath, and living room to accommodate guests or family. Plenty of private spaces even with the open floor plan below. The lower level, constructed with Superior insulated concrete walls and exterior Bilco access, offers excellent potential for future finished space while currently serving as a functional studio and storage area. Heat is supplemented by electric baseboards in the basement and master bedroom/bath, but the owner enjoys heating the entire home with the propane stove in the living room. On the deck, the perfect wind-down opportunity - a new 2025 hot tub for two, with room for your wine service! What truly sets this property apart is the included ~25 feet of lake frontage, which is just a short distance away via Andrea Drive, including a brand-new Trex dock. Whether arriving by boat or taking the scenic newly constructed stairs (2025) down, this dedicated access point provides everything you need to fully embrace lake life—without the burden of high waterfront taxes. Shared road maintenance is an easy $250 per year. There is only one property like this - don't hesitate to seize the moment!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

5/10
6/10
South Seneca High SchoolGrades 6-126.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2018

Materials

  • Construction materials: Foam Insulation,Stucco,ICFs (Insulated Concrete Forms)

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Gas Oven,Gas Range,Propane Water Heater,Refrigerator,Range Hood,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Kitchen/Family Room Combo
  • Flooring: Ceramic Tile,Hardwood,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Property

Details

  • Parcel number: 45268901100000010073010000
  • Special condition: Standard

Features

  • Exterior features: Gravel Driveway,Propane Tank - Leased
  • On waterfront: Yes
  • Waterfront features: Deeded Access,Dock Access,Lake
  • Waterbody name: Seneca Lake
  • Frontage length: 24

Lot

  • Lot size: 2.63 Acres
  • Features: Rectangular,Rectangular Lot,Secluded
  • Lot size dimensions: 267 x 428

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
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Hail
Inland Flooding
Lightning
Strong Wind
Tornado

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 $2,654$31,848
Home Insurance *$54$648
Property Taxes $826$9,912
Electricity $246$2,954
Total$3,780$45,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,600/yr
40% on housing$113,400/yr
45% on housing$100,800/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

$375This listing

vs Other Active Listings

Avg $/sqft

ZIP 14860$210
Seneca County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 14860$501
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)

Price History

DateEventPrice
2026-04-02Listed for sale$600,000
2006-06-13Sold$99,900

For Sale by Agent

AgentLinda Santos
BrokerageWarren Real Estate of Ithaca Inc. (Downtown)

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