Merima Smajic
Licensed Associate Real Estate Broker
REALTOR®
New Hartford, NY
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20432 S Shore Road, Three Mile Bay, NY 13693

New - 32 Hours Ago
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Property Description

Enjoy the perfect combination of privacy, space, and waterfront recreation without the high waterfront taxes! This beautifully updated 4 bedroom, 2 bathroom ranch sits on 2 peaceful acres and includes 15 feet of deeded water access, making it easy to enjoy fishing, kayaking, paddleboarding, and more. Built in 2005, this 1,536 square foot home features a bright, open concept layout where the living room, dining area, and kitchen flow seamlessly together, creating the perfect space for entertaining or everyday living. The kitchen offers warm butcher block countertops, stainless steel appliances, and plenty of workspace. Fresh paint and new flooring throughout give the home a clean, modern feel. The spacious primary suite includes a private full bath, while three additional bedrooms provide plenty of room for family, guests, or a home office. Outside, extensive tree clearing has created an even larger backyard with endless possibilities for recreation, gardening, or simply relaxing. A storage shed provides additional space for tools and outdoor equipment. Whether you're looking for a year round residence or a weekend getaway, this property offers the best of country living with the added bonus of deeded waterfront access at a fraction of the taxes of true waterfront ownership.

20432 S Shore Road | MLS# S1703677

This single family home located at 20432 S Shore Road, Three Mile Bay, NY 13693 is currently listed for sale with an asking price of $285,000. This property was built in 2005 and has 4 bedrooms and 2 full baths with 1536 sq. ft. S Shore Road is located within the Lyme school district. Search Three Mile Bay real estate on merima-smajic.coldwellbankerprime.com today.

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Property Features

Property Type: Residential - Single Family
Heating: Propane, Hot Water, Radiant Floor
Home Style: Ranch, Split Level
Lot Size: 2.00 Acres
Stories: 1.0
Taxes: $3,098
Year Built: 2005

Amenities

Country Kitchen
Kitchen/Family Room Combo
Living/Dining Room
Main Level Primary
Primary Suite
Gravel Driveway
Propane Tank - Leased

Feature Descriptions

Appliances: Electric Oven, Electric Range, Propane Water Heater, Refrigerator, Tankless Water Heater
Body of Water: Lake Ontario
Days on Site: 1
Exterior: Vinyl Siding
Flooring: Carpet, Varies
Laundry: Main Level
Lot: Rectangular, Rectangular Lot
Lot Dimensions: 130X656
Parcel#: 224489-079-014-0001-007-793
Parking: No Garage
Parking Notes: No Garage
Sewer: Septic Tank
Special View Info: Water
Water: Well
Water Features: Beach Access, Deeded Access, Lake

Local Schools

School District: Lyme

Estimate Your Payment

Estimated Payment

$ 975.58 per month $634.29 Principal & Interest $258.17 Property Tax $83.13 Homeowner's Insurance

Change Payment Information

%
years/fixed
yearly
yearly (est.)
(Payments are an estimate and may vary by lender)

Demographics

Listed By / Shown By

Listing By

Agency Name: Lake Ontario Realty, LLC
Agency Phone: 315-649-3434

Shown By

Agent Name: Merima Smajic
Agent Phone: (315) 272-3730 Cell
Agency Title: Coldwell Banker Prime Properties

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 08/05/2026. The listing information on this page last changed on 08/05/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Wed 08/05/2026 12:00:11 AM EST) or Global MLS (last updated Tue 08/04/2026 11:52:24 PM EST) or New York State Alliance MLS (last updated Tue 08/04/2026 11:59:04 PM EST) or Hudson Valley Catskill Region MLS (last updated Tue 08/04/2026 11:51:15 PM EST) or Berkshire MLS (last updated Tue 08/04/2026 8:13:09 PM EST) or OneKey MLS (last updated Tue 08/04/2026 11:53:21 PM EST). Real estate listings held by brokerage firms other than Coldwell Banker Prime Properties may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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