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2178 Scott Rd, Lindley, NY, 14858

5beds
5baths
3,900sqft
$619,900
$159price/sqft
$5,200/moest. monthly cost
$208,000/yrincome needed

About This Home

Set on 12 peaceful wooded acres, this stunning custom-built 2022 home offers nearly 3,900 square feet of thoughtfully designed living space. As you step inside, you're welcomed by an inviting open-concept living, dining, and kitchen area—perfect for both everyday living and entertaining. Wood floors run throughout, adding warmth and continuity, while the kitchen features granite countertops and newer appliances. This central living area sets the tone for the home with its bright, open feel. The main level features a thoughtfully designed primary suite with a private bath offering dual vanities, a makeup vanity, and a large walk-in closet. An additional bedroom and full bath provide flexibility for guests or single-level living, along with a first-floor laundry area. Upstairs offers a private bedroom suite with full bath, an additional bedroom, and a second full bath. This level also includes a second living room/flex space—ideal for a media room, playroom, or lounge—plus a large storage room and bonus second-floor laundry for added convenience. The finished walkout basement, with radiant heat floors, adds incredible versatility, with an additional 1600 square feet! Featuring a large family/game room, full bath, utility rooms, and three additional finished rooms. Whether for entertaining, work, or extended living, this level is designed for flexible use. Mechanically, the home features a forced air furnace paired with a cost-efficient wood-burning furnace, complemented by high-performance spray foam insulation for exceptional year-round comfort and efficiency. Step outside to enjoy the wrap-around covered front porch, or relax on the back deck and patio just off the kitchen, perfectly positioned to take in the privacy and wooded setting. Rounding out the property are an attached 2-car heated garage with radiant floors and an impressive detached 3-bay, two-story garage, offering space for vehicles, equipment, hobbies, or workshop. An adjoining 55 Acres could be available for buyers wanting additional property Don't miss this rare opportunity to own a newer-built home that offers space, privacy, and flexibility—just minutes from town.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Foundation: Other,See Remarks
  • Roof: Metal
  • Construction materials: Spray Foam Insulation,Vinyl Siding,ICFs (Insulated Concrete Forms)

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Gas Oven,Gas Range,Microwave,Propane Water Heater,Refrigerator,Washer,Water Purifier Owned,Water Softener Owned
  • Laundry features: Main Level,Upper Level

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Guest Accommodations,Granite Counters,Kitchen Island,Kitchen/Family Room Combo,Living/Dining Room,Storage,Walk-In Pantry,Convertible Bedroom,Main Level Primary,Primary Suite
  • Flooring: Carpet,Hardwood,Luxury Vinyl,Varies

Heating & Cooling

  • Heating features: Propane,Other,See Remarks,Wood,Forced Air,Multiple Heating Units,Radiant Floor,Radiant
  • Cooling features: Other,See Remarks,Central Air

Interior Area

  • Total structure area: 3,900
  • Total interior livable area: 3,900 sqft

Property

Details

  • Parcel number: 4642893520000001007210
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Deck,Gravel Driveway,Patio,Propane Tank - Leased

Lot

  • Lot size: 12.47 Acres
  • Features: Other,Rectangular,Rectangular Lot,See Remarks,Wooded
  • Lot size dimensions: 350 x 1497

Parking

  • Total spaces: 5
  • Parking features: Attached,Electricity,Garage,Heated Garage,Storage,Workshop in Garage,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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 FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Lightning

FEMA Declared Disasters in Steuben County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $3,134$37,608
Home Insurance *$327$3,924
Property Taxes $1,095$13,140
Electricity $644$7,734
Total$5,200$62,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,285/yr
40% on housing$156,000/yr
45% on housing$138,666/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 14858$139
Steuben County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 14858$115
Steuben County$103

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
2026-07-02Listed for sale$619,900

For Sale by Agent

AgentErin Hughson
BrokerageSignature Properties

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