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509 Center Rd, Lacona, NY, 13083

2beds
2baths
2,084sqft
$477,000
$229price/sqft
$3,871/moest. monthly cost
$154,840/yrincome needed

About This Home

Set on 14 incredibly private acres but just minutes from town for amenities - this home offers the illusion of seclusion! Inside, the home is full of character with a catwalk overlooking the main living space, wood finishes for a cabin feel and a front porch that's made for soaking in the views of your very own pond. Easy main floor living with an open concept kitchen-living-dining combination, bedroom and additional family room. Just off the family room, a private deck creates a cozy outdoor escape - ideal for quiet mornings, relaxing with a good book, or just enjoying the sights and sounds of nature. Full bath plus laundry/utility room conveniently located on the main level as well. The full bath features a large window that brings the beauty of the outdoors in. On the second floor you will find a large additional bedroom with a half bath plus walk-in attic for storage. Don't forget about the cat walk that takes you to the balcony space for yet another amazing outdoor space. The home has not only one but two garages, offering abundant storage for recreational equipment, tools, and outdoor toys, making this property as functional as it is charming. A beautifully crafted stamped concrete patio by the pond provides additional space for entertaining family and friends or gathering on warm summer evenings or those crisp fall nights. Meander down the landscaped path to a custom-built sauna, where a traditional woodstove creates the perfect setting to relax and recharge after a day of outdoor adventure. This unique feature adds to the property's serene atmosphere, offering true serenity immersed in nature. This home is truly your own private retreat nestled in the woods, where peace, privacy, and natural beauty come together. This home has so much to offer and is being sold furnished.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
4/10
5/10
Sandy Creek High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2004

Materials

  • Foundation: Poured,Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Gas Oven,Gas Range,Microwave,Propane Water Heater,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Dining Area,Furnished,Kitchen/Family Room Combo,Other,Pantry,See Remarks,Sauna,Natural Woodwork,Bedroom on Main Level,Convertible Bedroom
  • Flooring: Carpet,Laminate,Varies

Heating

  • Heating features: Propane,Forced Air

Interior Area

  • Total structure area: 2,084
  • Total interior livable area: 2,084 sqft

Property

Details

  • Parcel number: 35528902000000030040100000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Exterior features: Gravel Driveway,Propane Tank - Leased
  • On waterfront: Yes
  • Waterfront features: Pond
  • Waterbody name: Other
  • Frontage length: 500
  • Horses can be raised: Yes

Lot

  • Lot size: 14.01 Acres
  • Features: Rectangular,Rectangular Lot,Secluded
  • Lot size dimensions: 547 x 1203

Parking

  • Total spaces: 6
  • Parking features: Detached,Electricity,Garage
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Ice Storm
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 $2,411$28,932
Home Insurance *$341$4,092
Property Taxes $775$9,300
Electricity $344$4,132
Total$3,871$46,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,720/yr
40% on housing$116,130/yr
45% on housing$103,226/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

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 13083$111
Oswego County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 13083$133
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)

Price History

DateEventPrice
2026-08-17Price change$455,000
2026-07-09Listed for sale$477,000

For Sale by Agent

AgentCindy Mears
BrokerageTug Hill Real Estate

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