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203 Drive 37, Cleveland, NY, 13042

4beds
4baths
3,360sqft
$999,000
$297price/sqft
$7,530/moest. monthly cost
$301,200/yrincome needed

About This Home

With nearly 200 feet of private shoreline, this property is all about the water. From the moment you arrive, your eyes go straight to the lake, and the home is designed to keep them there. A covered deck off the kitchen and living room overlooks the water, while the massive lower level deck extends your entertaining space with stunning views down to the shoreline. Morning coffee, summer nights, quiet fall sunsets, this property delivers all of it. What this home offers beyond the water is equally impressive. Three full levels including a walkout lower level, over 3,300 square feet, and a layout that lives much larger than it appears from the outside. The lower level was built for entertaining with a custom wood bar, a cozy gathering space, and direct access to the backyard and shoreline below. The entire home has been renovated from the studs with thoughtful design and quality finishes throughout. The main level features a bright open living space with a fireplace, a beautifully updated custom kitchen, a home office, a first floor primary suite, and a whole house generator. Outside, the stamped concrete walkway, beautiful lawn, and nearly 200 feet of private shoreline create a setting that is genuinely hard to replicate. The property also includes a fully built two story guest house with over 1,500 square feet, its own kitchen, living space, and lake views. It can be used as an Airbnb, an in law suite, or extended guest space. The oversized three car garage with 9 foot overhead doors includes a walk in cooler, attached shed, and abundant storage. An additional parcel with pole barn is also available separately. Located just minutes from Sylvan Beach with easy access to restaurants, marinas, and summer fun. Privacy and convenience, all in one property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
Camden Middle SchoolGrades 5-88.1 mi
4/10
Camden Senior High SchoolGrades 9-128.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1932

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Gas Oven,Gas Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Wet Bar,Ceiling Fan(s),Separate/Formal Living Room,Granite Counters,Great Room,Country Kitchen,Living/Dining Room,Second Kitchen,Storage,Bar,Natural Woodwork,In-Law Floorplan,Bath in Primary Bedroom,Main Level Primary,Primary Suite,Workshop
  • Flooring: Hardwood,Tile,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 608

Heating & Cooling

  • Heating features: Propane,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,360
  • Total interior livable area: 3,360 sqft

Property

Details

  • Parcel number: 30648923500700010100000000
  • Special condition: Standard

Features

  • Exterior features: Blacktop Driveway,Propane Tank - Leased
  • On waterfront: Yes
  • Waterfront features: Boat Ramp/Lift Access,Dock Access,Lake
  • Waterbody name: Oneida Lake
  • Frontage length: 178

Lot

  • Lot size: 1.24 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 180 x 85

Parking

  • Total spaces: 3
  • Parking features: Detached,Electricity,Garage,Driveway,Other
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Cold Wave
Ice Storm
Lightning

FEMA Declared Disasters in Oneida County and New York

Flood
Severe Storm
Snowstorm
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 $5,051$60,612
Home Insurance *$484$5,808
Property Taxes $1,440$17,280
Electricity $555$6,663
Total$7,530$90,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$258,171/yr
40% on housing$225,900/yr
45% on housing$200,800/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$297This listing

vs Other Active Listings

Avg $/sqft

ZIP 13042$163
Oneida County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 13042$143
Oneida County$152

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
2026-05-13Price change$1,050,000
2026-04-10Listed for sale$1,100,000
2026-01-14Listing removed$1,199,000
2025-09-24Price change$1,199,000
2025-08-14Listed for sale$1,250,000
2012-10-15Sold$157,000

For Sale by Agent

AgentErica Laquidara
BrokerageHunt Real Estate ERA

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