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2195 County Route 15, Sandy Creek, NY, 13145

1beds
1baths
1,296sqft
$439,000
$339price/sqft
$3,405/moest. monthly cost
$136,200/yrincome needed

About This Home

Just minutes away from Lake Ontario and Sandy Island Beach you'll find this charming home nestled on 20.4 picturesque acres, this truly unique year-round retreat offers exceptional privacy, tranquility, and a lifestyle immersed in nature. A long private driveway winds through the property, leading to an enchanting cottage-style home where every season brings its own beauty. Designed to embrace the surrounding landscape, the home features an open-concept layout with minimal interior divisions, allowing natural light to pour in through abundant windows and providing breathtaking views in every direction. Step outside to discover walking trails, a gently flowing brook, and an abundance of wildlife, including deer, turkey, and countless songbirds, creating a peaceful sanctuary for nature lovers. The thoughtfully designed kitchen showcases quality Kraft Maid's cabinetry and a cozy dining area perfectly positioned to take in the scenic surroundings. The spacious bathroom includes a dedicated laundry area, washer and dryer hookup, and an additional workspace for added convenience. The home currently offers one charming bedroom with the potential to create a second bedroom to suit your needs. Entertain family and friends with ease thanks to the property’s separate guest house/bunkhouse, offering additional space for overnight guests to experience the beauty of country living. Spend your mornings on the generous front porch with a cup of coffee, enjoy evenings gathered in the naturally landscaped gardens, and appreciate the care and intention that has gone into every planting throughout the property. Modern conveniences include underground electric and cable service, along with public water, allowing you to enjoy peaceful country living without sacrificing essential amenities. Far from the hustle and bustle of everyday life, this is not your typical cookie cutter home, it’s a one of a kind retreat where open spaces, thoughtful design, and the beauty of nature come together to create a place that truly feeds the soul. If you’ve been searching for privacy, serenity, and 20.4 acres that will capture your heart, you’ve found it.Cameras on property, shown by appointment!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
4/10
5/10
Sandy Creek High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2007

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Country Kitchen,Other,Pull Down Attic Stairs,See Remarks,Main Level Primary
  • Flooring: Laminate,Other,See Remarks,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,296
  • Total interior livable area: 1,296 sqft

Property

Details

  • Parcel number: 35528902900000010030200000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Dirt Driveway,Propane Tank - Leased
  • Horses can be raised: Yes

Lot

  • Lot size: 20.40 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 592 x 1500

Parking

  • Parking features: No Garage

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 $2,219$26,628
Home Insurance *$227$2,724
Property Taxes $713$8,556
Electricity $246$2,954
Total$3,405$40,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,742/yr
40% on housing$102,150/yr
45% on housing$90,800/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

$339This listing

vs Other Active Listings

Avg $/sqft

ZIP 13145$153
Oswego County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 13145$154
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
2026-07-12Listed for sale$439,000

For Sale by Agent

AgentBirgit Kleinschmidt
Brokerage1st Carriage House Realty

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