66 Downing Farm Rd, De Peyster, NY, 13633
About This Home
Welcome to your private retreat on beautiful Hickory Lake! Set on 1.3 acres of meticulously maintained property with approximately 250 feet of waterfront along a quiet inlet, this exceptional seasonal cottage offers privacy, beautiful views, and direct access to boating, fishing, kayaking, and swimming. The main cottage features three comfortable bedrooms, one full bathroom, and inviting living spaces designed to take advantage of the scenic setting. A separate guest cabin provides additional accommodations, while the detached garage includes extra sleeping quarters, giving you plenty of room to host family and friends. Lovingly cared for and move-in ready, the property has been updated with a newer roof and patio. Additional amenities include two wells, a septic system, and a storage shed for all your boating, fishing, and outdoor gear. Whether you're looking for a peaceful summer escape or a place to gather with loved ones, this Hickory Lake property offers the perfect balance of comfort, recreation, and privacy. With generous waterfront, spacious grounds, and multiple accommodations, it's a rare opportunity to enjoy lake life at its best.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1994
Materials
- Foundation: Stone
- Roof: Metal
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Gas Oven,Gas Range,Refrigerator
- Laundry features: Main Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 4
Features
- Eat-in Kitchen,Country Kitchen,Partially Furnished,Bedroom on Main Level,Main Level Primary
- Flooring: Carpet,Luxury Vinyl,Varies
Heating & Cooling
- Heating features: Propane,Other,See Remarks,Baseboard,Space Heater
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,351
- Total interior livable area: 1,351 sqft
Property
Accessibility
- Accessibility features: No Stairs
Details
- Parcel number: 40540012902100010100010000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Open,Porch,Screened
- Exterior features: Dirt Driveway,Dock,Play Structure,Porch,See Remarks,Propane Tank - Leased
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Beach Access,Deeded Access,Dock Access,Lake
- Waterbody name: Hickory Lake
- Frontage length: 250
Lot
- Lot size: 1.30 Acres
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 249 x 140
Parking
- Total spaces: 3
- Parking features: Detached,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
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in St. Lawrence County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,916 | $22,992 |
| Home Insurance * | $351 | $4,212 |
| Property Taxes | $609 | $7,308 |
| Electricity | $246 | $2,954 |
| Total | $3,122 | $37,464 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-10 | Listed for sale | $379,000 |
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