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545 State Route 41a, Homer, NY, 13077

5beds
3baths
2,848sqft
$399,900
$140price/sqft
$3,418/moest. monthly cost
$136,720/yrincome needed

About This Home

Welcome to your own private country retreat, just minutes from the Village of Homer. Nestled on a picturesque wooded lot with land on both sides of Homer Gulf Creek, this one-of-a-kind property offers the perfect blend of privacy, nature, and convenience. Inside, the first floor features an elongated galley kitchen that flows into a spacious dining room highlighted by a stunning floor-to-ceiling wood-burning fireplace. The dining area opens to the living room, creating an inviting and open floor plan that's perfect for everyday living or entertaining. Four first-floor bedrooms provide plenty of flexibility, including a private primary suite complete with its own full bathroom and electric fireplace. A second full bathroom serves family and guests, while the generously sized laundry room—once believed to be the home's original kitchen—adds extra functionality and storage. The entire second floor is dedicated to an expansive bonus room with a full bathroom, offering endless possibilities. Whether you envision a luxurious primary suite, family room, home office, hobby space, or guest quarters, this versatile area can easily adapt to your lifestyle. Step outside and discover your own outdoor paradise. Homer Gulf Creek, home to Brown Trout, meanders through the property before flowing into Factory Brook. A private bridge provides easy access to the land across the creek, expanding your opportunities to explore, relax, or enjoy nature. Gather around a campfire in the creekside campsite, unwind on the front or back patios, or simply take in the peaceful sounds of the flowing water. Additional features include two detached outbuildings offering garage space and a fully equipped workshop with concrete floors, heat, and electricity. Two separate driveway entrances provide convenient access from either direction. A durable metal roof, newer boiler, oversized windows that fill the home with natural light, a spacious yard, and abundant wildlife complete this exceptional country property. If you've been searching for privacy, recreation, and a home surrounded by nature without sacrificing convenience, this is the opportunity you've been waiting for.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
6/10
Homer Junior High SchoolGrades 6-83.2 mi
7/10
Homer Senior High SchoolGrades 9-123.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1952

Materials

  • Foundation: Other,See Remarks,Slab
  • Roof: Metal
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Water Heater,Refrigerator,See Remarks
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Galley Kitchen,Living/Dining Room,Bedroom on Main Level,Bath in Primary Bedroom,Main Level Primary,Workshop
  • Flooring: Hardwood,Varies,Vinyl
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating

  • Heating features: Propane,Baseboard,Hot Water

Interior Area

  • Total structure area: 2,848
  • Total interior livable area: 2,848 sqft

Property

Details

  • Parcel number: 11308905500000010180000000
  • Special condition: Standard

Features

  • Patio & porch: Patio
  • Exterior features: Blacktop Driveway,Gravel Driveway,Patio
  • On waterfront: Yes
  • Waterfront features: River Access,Stream
  • Waterbody name: Other
  • Frontage length: 600

Lot

  • Lot size: 4.05 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 600 x 332

Parking

  • Total spaces: 3
  • Parking features: Detached,Electricity,Garage,Workshop in Garage
  • 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 FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Cortland County and New York

Flood
Hurricane
Severe Storm
Tornado
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 $2,022$24,264
Home Insurance *$193$2,316
Property Taxes $733$8,796
Electricity $470$5,647
Total$3,418$41,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,188/yr
40% on housing$102,540/yr
45% on housing$91,146/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: -4.7%
-4.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 13077$218
Cortland County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 13077$150
Cortland County$127

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
2026-08-04Listed for sale$399,900

For Sale by Agent

AgentJason Hage
BrokerageHage Real Estate

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