DeRuyter Lake cottage with 90' water frontage. Delightfully newer updated cottage, 2 bedrooms, 1 full bath, open updated kitchen and greatroom overlooking expansive lake view. Paver patio for entertaining, all kitchen appliances, dock and boat hoist included. Ideal "small house" concept -attached shed, and storage. Spend lots more time at the lake, fishing, boating, waterskiing & eagle watching - nearby to Highland Forest Park, Delphi Water Falls Park and miles of hiking trails. Vacation every day! Agents - Please schedule showings on Showingtime starting Tuesday, June 20th , 2023
Single-familyProperty Type
2009Year Built
3,920 sq ftLot Size
$450Est. Price/Sq.Ft.
1 spaceParking
Listing by Chary Griffin• Berkshire Hathaway CNY Realty
•315-815-5111 (broker)
•ddecker@bhhscnyrealty.com (broker)
Contact: 315-382-1721
Bought with Chary Griffin• Berkshire Hathaway CNY Realty
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Earn from this home
Refinance
$0
Est. cash available
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Rent
$1,505/mo
Redfin rental estimate
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Market trends in 13052, NY
Last updated September 2026
Sale-to-List Price
101.7%
+1.6% MoM
Median sale price
$264K
$56K MoM
Avg. days on market
9d
1 days MoM
Recently sold homes
5
1 MoM
Provided by Redfin
Sale history for 48 S Lake Rd
Date
Event
Price
CNYIS #S1477877
Aug 16, 2023
Sold
$310,000
$393/sq ft
Jul 24, 2023
Pending
—
Jun 17, 2023
Listed
$310,000
$393/sq ft
CNYIS #S1478710
Jun 25, 2023
Listing Removed
—
Jun 17, 2023
Listed
$310,000
$393/sq ft
Public Records
Oct 9, 2018
Sold
$190,000
$241/sq ft
Public Records
Jan 19, 2007
Sold
$55,000
$70/sq ft
Year
Property tax
Land + Additions
Assessment*
2026
$4,708
$65,000 + $55,000
$120,000
2025
$4,708 (+3.1%)
$65,000 + $55,000
$120,000
2024
$4,567 (+4.6%)
$65,000 + $55,000
$120,000
2023
$4,368 (+1.9%)
$65,000 + $55,000
$120,000
2022
$4,287 (+4.1%)
$65,000 + $55,000
$120,000
2021
$4,116 (−0.1%)
$65,000 + $55,000
$120,000
2020
$4,122 (+3.2%)
$65,000 + $55,000
$120,000
2019
$3,993 (+38.2%)
$65,000 + $55,000
$120,000
2018
$2,889 (−6.2%)
$65,000 + $55,000
$120,000
2017
$3,079 (+1.1%)
$60,000 + $30,000
$90,000
2016
$3,046 (+0.7%)
$60,000 + $30,000
$90,000
2015
$3,024 (+1.3%)
$60,000 + $30,000
$90,000
2014
$2,986
$60,000 + $30,000
$90,000
Tax history for 48 S Lake Rd
Year
Property tax
Land + Additions
Assessment*
2026
$4,708
$65,000 + $55,000
$120,000
2025
$4,708 (+3.1%)
$65,000 + $55,000
$120,000
2024
$4,567 (+4.6%)
$65,000 + $55,000
$120,000
2023
$4,368 (+1.9%)
$65,000 + $55,000
$120,000
2022
$4,287 (+4.1%)
$65,000 + $55,000
$120,000
2021
$4,116 (−0.1%)
$65,000 + $55,000
$120,000
2020
$4,122 (+3.2%)
$65,000 + $55,000
$120,000
2019
$3,993 (+38.2%)
$65,000 + $55,000
$120,000
2018
$2,889 (−6.2%)
$65,000 + $55,000
$120,000
2017
$3,079 (+1.1%)
$60,000 + $30,000
$90,000
2016
$3,046 (+0.7%)
$60,000 + $30,000
$90,000
2015
$3,024 (+1.3%)
$60,000 + $30,000
$90,000
2014
$2,986
$60,000 + $30,000
$90,000
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
1
Baths
1
Stories
1
Lot width
—
Lot depth
—
Lot size
3,920 Sq. Ft.
Year renovated
—
Sq. Ft.
789
Year built
2009
Style
Single Family Residential
County
Madison County
APN
252489A17600900010470000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 8, 2026.
Property details
Parking
Parking
Features: No Garage, Driveway
Interior
Virtual Tour
Bedroom Information
# of Main Level Bedrooms: 2
Bathroom Information
# of Full Bathrooms: 1
# of Main Level Bathrooms: 1
Room Information
# of Rooms (Total): 4
Room Types: Bedroom, Great Room, Loft, Storage Room
Basement Information: Crawl Space
Equipment
Appliances: Dishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned, Water Purifier
Interior Features
Window Features: Thermal Windows
Flooring: Hardwood, Varies, Vinyl
Other Features: Ceiling Fan(s), Cathedral Ceiling(s), Granite Counters, Great Room, Kitchen/Family Room Combo, Living/Dining Room, Pull Down Attic Stairs, Storage, Bedroom on Main Level, Loft, Main Level Primary
Exterior
Building Information
Stories: 1
Stories (Total): 1
Year Built Details: Existing
Roof Details: Asphalt, Shingle
Construction Details: Composite Siding, Vinyl Siding, PEX Plumbing
Exterior Features
Exterior Features: Dock, Gravel Driveway, Patio, See Remarks, Propane Tank - Owned
Patio And Porch Features: Open, Patio, Porch
Lot Information
Lot Size Area: 0.09
Lot Size Acres: 0.09
Lot Size Dimensions: 45X106
Lot Features: Flood Zone
Is Waterfront
Water Body Name: DeRuyter Reservoir
Waterfront Features: Beach Access, Reservoir in Community
Frontage Length: 90
Frontage Length Remarks: 90
Property Information
Has View
Foundation Details: Pillar/Post/Pier, Slab
Resale
Financial
Assessments and Fees
Assessed Value: $120,000
Tax Information
Annual Tax Amount: $4,286
Utilities
Utility Information
Utilities: Cable Available, High Speed Internet Available
Electric: Circuit Breakers
Sewer: Holding Tank
Water Source: Well
Heating & Cooling
Has Cooling
Cooling: Window Unit(s)
Has Heating
Heating: Gas, Propane, Stove, Natural Gas, Space Heater
Public facts
Beds: 1
Baths: 1.0
Sq. Ft.: 789
Stories: 1.0
Lot Size: 3,920 square feet
Style: Single Family Residential
Year Built: 2009
Year Renovated: —
County: Madison County
APN: 252489A17600900010470000000
Home facts updated by county records on Oct 8, 2026
Around this home
Schools
Deruyter Elementary School
Public PreK-4 • Assigned • 3.0mi
3/10
Deruyter High School
Public 5-12 • Assigned • 3.0mi
5/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
2/10 Heat Factor
7 days above 91° expected this year, 16 days in 30 years
2/10 Wind Factor
1% chance of strong winds in next 30 years
2/10 Air Factor
0 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
De Ruyter, NY • 13052
Average low and high temperatures (°F)
26
15
30
16
48
29
57
37
63
46
76
57
80
62
77
56
72
51
60
41
46
33
33
19
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 8.7 hours in
June and 2.4 hours in December, placing it below the
U.S. average for solar exposure.