Experience the perfect blend of comfort and convenience in this beautifully updated, fully furnished 3-bedroom, 2-bathroom lake home. Designed for year-round living, this residence offers a seamless move-in experience and a peaceful lakeside lifestyle. This turnkey property features contemporary finishes throughout, allowing you to move right in and start enjoying the lake immediately. The home is thoughtfully laid out with three comfortable bedrooms, a bonus room for a home office, or an additional sitting room and two well-appointed bathrooms, providing plenty of space for family and guests. In addition to the living space, the large, heated garage provides ample room for your vehicles, lake gear, and any other storage needs. Additional 30 x 40 pole barn with electric for even more storage needs. Whether you are looking for a permanent residence or a serene getaway, this home offers everything you need to enjoy lake life in comfort.
Single-familyProperty Type
1998Year Built
1.37 acresLot Size
$395Price/Sq.Ft.
6 car garageParking
Listing by Savannah Mallery• WARREN REAL ESTATE (FRONT STREET)
Listing by Sadie Howard• WARREN REAL ESTATE (Vestal)
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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
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Rental estimate
Est. $2,857 per month, based on comparable rentals
Sale and tax history for 620 W Cottage Ln
Sale History
Tax History
Date
Event
Price
GBAOR #336919
Sep 3, 2026
Sold
$700,000
$395/sq ft
Jul 20, 2026
Pending
—
Jul 11, 2026
Listed
$765,000
$432/sq ft
UNYREIS #R1534954
Nov 21, 2024
Sold
$566,500
$320/sq ft
Oct 24, 2024
Pending
—
Jul 16, 2024
Price Changed
$599,400
$338/sq ft
Jun 4, 2024
Price Changed
$649,900
$367/sq ft
Apr 30, 2024
Listed
$699,900
$395/sq ft
This year-round cape-style lakefront home has beautiful lake views with a large covered front porch. The kitchen is open with natural wood cabinets, Corian countertops, and a front-facing window with views of the lake. A dining room with a sliding door overlooking the lake. The living room design is cozy and comfortable, with a picture window. The Owner's bedroom on the first floor has direct access to the full bathroom with a separate shower and garden tub. The Owners also has direct access to the office. The rooms on the first floor all open to each other to create an easy flow from one to the other. Two second-floor bedrooms and a full bathroom are perfect for hosting guests. A second-floor windowed storage room is large enough that it has been used comfortably as an additional sleeping room. The second floor has comfortably supported 10 people. 1600 Sq Ft heated attached floored garage, unheated loft, and an additional 1200 Sq Ft floored pole barn for storage. Key utility features include a dual boiler system that provides heat and hot water to maximize winter living savings, water softener, and an engineered-design septic system.
Year
Property tax
Land + Additions
Assessment*
2026
$8,435
$87,500 + $127,500
$215,000
2025
$8,435 (+3.1%)
$87,500 + $127,500
$215,000
2024
$8,183 (+4.6%)
$87,500 + $127,500
$215,000
2023
$7,825 (+1.9%)
$87,500 + $127,500
$215,000
2022
$7,680 (+4.1%)
$87,500 + $127,500
$215,000
2021
$7,375 (+6.9%)
$87,500 + $127,500
$215,000
2020
$6,901 (+8.9%)
$87,500 + $127,500
$215,000
2019
$6,338 (+4.1%)
$87,500 + $117,500
$205,000
2018
$6,091 (−5.7%)
$87,500 + $117,500
$205,000
2017
$6,462 (+1.1%)
$87,500 + $117,500
$205,000
2016
$6,393 (+0.8%)
$87,500 + $117,500
$205,000
2015
$6,341 (+1.4%)
$87,500 + $117,500
$205,000
2014
$6,252
$87,500 + $117,500
$205,000
Public record
Beds
3
Baths
2
Stories
1.5
Lot width
—
Lot depth
—
Lot size
1.39 Acres
Year renovated
—
Sq. Ft.
1,626
Year built
1998
Style
Single Family Residential
County
Madison County
APN
252489A17600900010040000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 8, 2026.
Property details
Parking
Parking/Garage Information
Has Garage
Has Attached Garage
# of Garage Spaces: 6
Parking Features: Attached, Garage
Interior
Virtual Tour
Bathroom Information
# of Full Bathrooms: 2
Heating & Cooling
Has Cooling
Cooling: Wall/Window Unit(s)
Has Heating
Heating: Baseboard
Interior Features
Appliances: Range, Dryer, Dishwasher, Electric Water Heater, Free-Standing Range, Refrigerator, Washer
Flooring: Carpet, Vinyl
Has Fireplace
Fireplace Features: Family Room, Gas
Room Information
# of Rooms Total: 10
Basement Details: Crawl Space
Exterior
Exterior Features
Patio And Porch Features: Porch, Covered
Building Information
Above Grade Finished Area: 1,771
Construction Materials: Vinyl Siding
Property Features
On Waterfront
Waterfront Features: Lake Front, Lake
Has View
Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Raw Mls Property Sub Type: SingleFamilyResidence
Lot Information
Lot Features: Level, Waterfront
Lot Size : 1.37
Lot Size Dimensions: 1.37
Lot Size Area: 1.37
Lot Size Units: Acres
Financial
Tax Information
Tax Annual Amount: $8,435
Utilities
Utility Information
Water Source: Well
Sewer: Septic Tank
Location
Schools Information
Elementary School District: DeRuyter
Elementary School: DeRuyter
Middle Or Junior School District: DeRuyter
High School District: DeRuyter
Location Information
Directions: Turn off South Lake Rd. onto West Cottage Lane, go about half mile on private road, clay-colored house on left with 3 car garage attached.
Public facts
Beds: 3
Baths: 2.0
Sq. Ft.: 1,626
Stories: 1.5
Lot Size: 1.39 acres
Style: Single Family Residential
Year Built: 1998
Year Renovated: —
County: Madison County
APN: 252489A17600900010040000000
Home facts updated by county records on Oct 8, 2026
Other
Listing Information
List AOR: GreaterBinghamtonAssociationOfRealtors
Around this home
Schools
Deruyter Elementary School
Public PreK-4 • Assigned • 3.1mi
3/10
Deruyter High School
Public 5-12 • Assigned • 3.1mi
5/10
Provided by GreatSchools
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, 17 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
88/ 100
Very good sunlight
Sunscore
This home receives average direct sun exposure in De Ruyter. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.