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24897/899 County Route 57, Three Mile Bay, NY, 13693

6beds
3baths
3,288sqft
$275,000
$84price/sqft
$2,333/moest. monthly cost
$93,320/yrincome needed

About This Home

Escape to the countryside on Point Peninsula and build the life you've always imagined. Minutes of way from Lake Ontario and the Thousand Islands, come view this impressive 6-bedroom, 2.5-bath farmhouse offers over 3,200 square feet of living space and sits on a stunning 12.59 acre lot. This 3-story home is designed for those who think big. The first floor provides a customizable space with a large living room offering a wood fireplace, bedroom and 1/2 bath, while the second floor offers 3 bedrooms and 2 full baths. The second floor also offers a completely renovated cozy studio apartment with access to the full third floor and its own separate entrance. Brand new boiler! With so much work already started, this home is ready for you to take it to the finish line. Price to sell, don't miss this opportunity!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
Lyme Central SchoolGrades PK-127.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1880

Materials

  • Foundation: Stone
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Attic,Den,Separate/Formal Dining Room,Separate/Formal Living Room,Home Office,Convertible Bedroom,Workshop
  • Flooring: Carpet,Hardwood,Laminate,Luxury Vinyl,Varies

Heating

  • Heating features: Propane,Baseboard,Hot Water

Interior Area

  • Total structure area: 3,288
  • Total interior livable area: 3,288 sqft

Property

Details

  • Parcel number: 2244890700090001062000
  • Special condition: Standard

Lot

  • Lot size: 12.59 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 423 x 890

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,No Driveway
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Jefferson County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Tropical Depression
Tropical Storm
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 $1,390$16,680
Home Insurance *$98$1,176
Property Taxes $302$3,624
Electricity $543$6,520
Total$2,333$27,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,988/yr
40% on housing$69,990/yr
45% on housing$62,213/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$84This listing

vs Other Active Listings

Avg $/sqft

ZIP 13693$213
Jefferson County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 13693$397
Jefferson County$126

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
2026-07-24Listed for sale$275,000
2017-07-13Sold$120,000
2004-08-27Sold$57,600
2004-04-30Sold$46,750
1998-08-06Sold$26,922

For Sale by Agent

AgentKiah Sugrue
BrokerageLake Ontario Realty, LLC

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