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429 W Lake Rd, De Ruyter, NY, 13052

3beds
2baths
880sqft
$579,000
$658price/sqft
$4,385/moest. monthly cost
$175,400/yrincome needed

About This Home

Lakefront Living at Its Finest – DeRuyter Lake, NY Welcome to your dream retreat on the serene shores of DeRuyter Lake! This well-cared-for lakefront home offers the perfect combination of comfort, character, and panoramic water views—all nestled in the heart of Upstate New York. Located just a short drive from Syracuse, Cortland, and the Finger Lakes region, this property is ideal for a seasonal escape. Inside, you’ll find a warm and inviting interior with luxury vinyl flooring throughout. Large windows frame the lake beautifully, filling the home with natural light. The updated kitchen features modern appliances, ample cabinetry, and easy access to the spacious lakeside porch—perfect for entertaining or enjoying peaceful morning coffee with a view. Wake up to glorious sunrises over the water on this property that includes a total of 3 bedrooms and 1and 1/2 bathrooms. Whether you're hosting guests or enjoying quiet time, every space is designed with comfort and relaxation in mind. Step outside to discover a fully fenced in yard with 83 feet of lake front, meticulously maintained grounds, a patio, and your own private dock for boating, fishing, or swimming. And for water enthusiasts—this property features a rare, detached boathouse, providing a bonus bedroom, a changing room, secure storage for your watercraft, and an additional covered space right on the water’s edge. It’s the ideal spot for launching kayaks or enjoying a shaded afternoon by the lake with your favorite beverage. Additional features include plenty of off-street parking space for you or your guests and a newly installed sceptic system. Whether you're searching for a seasonal getaway or a prime investment opportunity, this DeRuyter Lake gem has everything you need to enjoy lakefront living at its best. This is a turnkey opportunity. Furnishings may be included for a seamless move-in as part of a negotiated offer. Don’t miss this rare opportunity—schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

4/10
7/10
Deruyter High SchoolGrades 6-124.2 mi

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Piers
  • Roof: Shake / Shingle
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Freezer,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: None,Other
  • Cooling features: Wall

Interior Area

  • Total interior livable area: 880 sqft

Property

Details

  • Parcel number: 31308910601231

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 3,569 sqft

Parking

  • Total spaces: 3
  • Parking features: Off-street

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
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Onondaga County and New York

Flood
Severe 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 $2,927$35,124
Home Insurance *$141$1,692
Property Taxes $1,071$12,852
Electricity $246$2,954
Total$4,385$52,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,342/yr
40% on housing$131,550/yr
45% on housing$116,933/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: 3.5%
3.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$658This listing

vs Other Active Listings

Avg $/sqft

ZIP 13052$113
Onondaga County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 13052$384
Onondaga County$179

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
2026-04-16Listed for sale$579,000
2025-11-15Listing removed--
2025-08-17Listed for sale$599,000
2015-11-06Sold$155,000
2015-09-02Pending sale$179,900
2015-05-14Listed for sale$179,900
1997-08-26Sold$15,000

For Sale by Owner

AgentProperty Owner

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