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35 Pepper Dr, Cleveland, NY, 13042

1beds
1baths
1,000sqft
$449,900
$450price/sqft
$3,469/moest. monthly cost
$138,760/yrincome needed

About This Home

Escape to lakeside living in this charming A-frame log cabin, ideally situated on the desirable north shore of Oneida Lake. Designed for year-round enjoyment, this unique home combines rustic character with thoughtful updates and breathtaking waterfront views. The inviting enclosed porch welcomes you into a bright, open floor plan featuring an updated kitchen with both granite and quartz countertops. The kitchen flows seamlessly into the living room, dining area, and an additional sitting space with flexible panels, creating a versatile layout for entertaining or relaxing while taking in the spectacular lake views. Just outside, a spacious upper deck provides the perfect setting for grilling, outdoor dining, and entertaining family and friends while enjoying panoramic views of the lake. The updated full bathroom adds modern comfort, while the spacious loft serves as the primary bedroom, overlooking the home's warm and inviting living spaces. The walk-out basement expands the living area with a cozy wood-burning stove and three additional finished rooms that can easily function as bedrooms, a home office, den, studio, or hobby space to suit your lifestyle. Outside, the level yard leads directly to the lakefront, where you'll enjoy a private dock and boat lift for effortless days on the water. A detached 2.5-car garage provides ample storage, while the finished, unheated shed offers endless possibilities as a "she shed", bunkhouse, artist's studio, workshop, or creative retreat. Whether you're searching for a full-time residence or the perfect waterfront getaway, this exceptional Oneida Lake property offers the ideal blend of comfort, flexibility, and unforgettable views.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
4/10
5/10
Paul V Moore High SchoolGrades 9-1212.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1979

Materials

  • Foundation: Block
  • Roof: Metal,Shingle
  • Construction materials: Aluminum Siding,Log,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame,Log Home
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Gas Oven,Gas Range,Microwave,Refrigerator
  • Laundry features: In Basement

Basement

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

Bedroom1

  • Level: Second

Bedroom2

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Den

  • Level: Basement

Den

  • Level: Basement

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Den,Separate/Formal Living Room,Granite Counters,Home Office,Kitchen Island,Living/Dining Room,Partially Furnished,Quartz Counters,Sliding Glass Door(s),Natural Woodwork,Convertible Bedroom,Loft
  • Door features: Sliding Doors
  • Flooring: Other,See Remarks
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Ductless,Electric
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Loft

  • Level: Second

Other

  • Level: Basement

Property

Details

  • Parcel number: 35268931201000020240000000
  • Special condition: Standard

Features

  • Patio & porch: Deck,Patio
  • Exterior features: Blacktop Driveway,Deck,Dock,Enclosed Porch,Porch,Patio,See Remarks
  • On waterfront: Yes
  • Waterfront features: Boat Ramp/Lift Access,Dock Access,Lake
  • Waterbody name: Oneida Lake
  • Frontage length: 106

Lot

  • Lot size: 1.10 Acres
  • Features: Other,Rectangular,Rectangular Lot,See Remarks
  • Lot size dimensions: 105 x 445

Parking

  • Total spaces: 2.5
  • Parking features: Detached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Ice Storm
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Oswego County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
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 $2,274$27,288
Home Insurance *$218$2,616
Property Taxes $731$8,772
Electricity $246$2,954
Total$3,469$41,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,937/yr
40% on housing$104,070/yr
45% on housing$92,506/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$450This listing

vs Other Active Listings

Avg $/sqft

ZIP 13042$163
Oswego County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 13042$143
Oswego County$135

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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$449,900
2026-08-03Listed for sale$449,900
2015-08-10Sold$197,500
2015-06-09Price change$199,900
2015-04-17Listed for sale$219,000
2014-09-26Listing removed$234,900
2014-04-04Listed for sale$234,900
2013-12-01Listing removed$244,564
2013-09-03Price change$244,564
2013-08-20Price change$259,000
2013-02-04Listed for sale$269,000
2006-10-10Sold$212,500
2002-04-02Sold$128,000
2000-05-01Sold$125,000

For Sale by Agent

AgentJodie M. DeCosty
BrokerageColdwell Banker Prime Properties

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