109 Water St #109, Penn Yan, NY, 14527
About This Home
Welcome to refined downtown living in the heart of the picturesque Finger Lakes! This exceptional, spacious condo offers a rare opportunity for a low-maintenance, sophisticated lifestyle. Ideal for those seeking a year-round residence or a luxurious "lock-and-leave" second home, this property delivers convenience and elegance. Step inside a light-filled open-concept floor plan designed for seamless entertaining and daily comfort. The chef's kitchen features custom cabinetry, granite countertops, and top-tier stainless steel appliances. Gleaming hardwood floors flow throughout the main living areas, leading to a generous primary suite with a spa-like bathroom and ample walk-in closet space. Enjoy the best of Penn Yan with unparalleled walkability. Stroll to charming local boutiques, acclaimed restaurants, and the scenic beauty of Keuka Lake just moments from your door. This property is a private sanctuary amidst a vibrant small-town atmosphere. Key Features: • Modern, high-end finishes and an open floor plan • Gourmet kitchen with professional-grade appliances • Walkability to downtown Penn Yan and lakefront attractions • Low-maintenance "lock-and-leave" lifestyle • Secure building access Don't miss this rare opportunity to own a piece of the Finger Lakes lifestyle. Schedule your private tour of this exceptional property today!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2025
Materials
- Foundation: Slab
- Construction materials: Attic/Crawl Hatchway(s) Insulated,Composite Siding,Foam Insulation,Other,Shake Siding,Vinyl Siding,PEX Plumbing
Type & Style
- Home type: Condo
- Property subType: Townhouse,Condominium
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Exhaust Fan,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Range Hood,Tankless Water Heater,Washer
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s),Kitchen/Family Room Combo,Living/Dining Room,Pantry,Quartz Counters,Sliding Glass Door(s),Storage,Bedroom on Main Level,Bath in Primary Bedroom
- Door features: Sliding Doors
- Window features: Thermal Windows
- Flooring: Carpet,Ceramic Tile,Hardwood,Resilient,Varies
Heating & Cooling
- Heating features: Ductless,Heat Pump,Zoned,Electric,Forced Air
- Cooling features: Ductless,Heat Pump,Zoned,Central Air
Interior Area
- Total structure area: 1,205
- Total interior livable area: 1,205 sqft
Property
Accessibility
- Accessibility features: Accessible Bedroom,Low Threshold Shower,No Stairs,Accessible Approach with Ramp,Accessible Doors,Accessible Entrance
Details
- Parcel number: 5730010490750001040001000
- Special condition: Standard,Trust
Lot
- Lot size: 1,216 sqft
- Features: Near Public Transit,Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 38 x 32
Parking
- Parking features: No Garage,Open,Other,See Remarks
- Has uncovered spaces: Yes
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
- Lightning
- Strong Wind
- Drought
- Hail
- Ice Storm
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Yates 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 | $1,881 | $22,572 |
| Home Insurance * | $101 | $1,212 |
| Property Taxes | $440 | $5,280 |
| Electricity | $246 | $2,954 |
| Total | $2,668 | $32,016 |
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 |
|---|---|---|
| 2026-04-17 | Price change | $372,000 |
| 2025-11-20 | Listed for sale | $465,000 |
View on Zillow