HOMESFARMSANDLAND
BuySell
    • Featured Properties
    • Property Showcases
    • Latest Blogs
      • Overview
      • Explore Open Houses
      • Discover Rental Living
      • Escape to Cabin Life
      • Unlock Multi-Family Living
      • Your Perfect Land Awaits
      • Embrace Farm Life
      • Overview
      • Find Rentals
      • Find Cabins
      • Browse Homes
      • Browse Farms
      • Browse Lands
    • Saved Properties
    • Overview
    • Buying Form
    • Buying Process
    • Mortgage Calculator
    • Overview
    • Selling Form
    • Selling Process
    • Free Home Evaluation
      • All of Otsego
      • Cooperstown
      • Oneonta
      • West Oneonta
      • Milford
      • Hartwick
      • Worcester
      • Unadilla
      • Laurens
      • Richfield Springs
      • All of Schoharie
      • Cobleskill
      • Middleburgh
      • Schoharie
      • Sharon Springs
      • Summit
      • Richmondville
      • Esperance
      • All of Chenango
      • Norwich
      • Oxford
      • Greene
      • Bainbridge
      • Sherburne
      • All of Delaware
      • Delhi
      • Stamford
      • Andes
      • Walton
      • Margaretville
      • Roxbury
      • Sidney
      • All of Greene
      • Catskill
      • Windham
      • Hunter
      • Cairo
      • Coxsackie
      • Athens
      • All of Broome
      • Binghamton
      • Vestal
      • Endicott
      • All of Oneida
      • New Hartford
      • Utica
      • Marcy
      • Clinton
      • All of Montgomery
      • Amsterdam
      • Fort Plain
      • Canajoharie
      • Fonda
      • All of Ulster
      • Kingston
      • New Paltz
      • Saugerties
      • Woodstock
      • Marlborough
    • Overview
    • Free Vendor List
    • Practical Guides
    • Need Funding?
    • Property Inspector
    • Down Payment Eligibility
    • Location Sharing?
      • Overview
      • Standard Operating Procedure
      • NYS Buyer-Seller
      • NYS Landlord-Tenant
      • Tenant Rights Notice
      • Fair Housing Notice
      • Privacy Policy
      • Location Services
      • Properties Preferences
      • Map Data Attribution
    • Who We Are
    • Meet the Team
Featured
Featured Properties
Property Showcases
Latest Blogs
Search
Advanced Search
Explore Open Houses
Discover Rental Living
Escape to Cabin Life
Unlock Multi-Family Living
Your Perfect Land Awaits
Embrace Farm Life
Search by Map
Find Rentals
Find Cabins
Browse Homes
Browse Farms
Browse Lands
Saved Properties
Buy
Buying Form
Buying Process
Mortgage Calculator
Sell
Selling Form
Selling Process
Free Home Evaluation
HOMESFARMSANDLAND
  • Otsego
  • Schoharie
  • Chenango
  • Delaware
  • Greene
  • Broome
  • Oneida
  • Montgomery
  • Ulster

Select a county to see cities

Resources
Free Vendor List
Practical Guides
Need Funding?
Property Inspector
Down Payment Eligibility
Location Sharing?
Disclosures
Standard Operating Procedure
NYS Buyer-Seller
NYS Landlord-Tenant
Tenant Rights Notice
Fair Housing Notice
Privacy Policy
Location Services
Properties Preferences
Map Data Attribution
About
Who We Are
Meet the Team

Let's Find Your Next Property.

HOMESFARMSANDLAND.COM

Kevin Lucero

Lic. Real Estate Salesperson

a Charlotteville Realty Team

Independently Owned & Operated

607-282-6242kevin@homesfarmsandland.com

Buying

  • Buying Form
  • Buying Process
  • Mortgage Calculator

Selling

  • Selling Form
  • Selling Process
  • Free Home Evaluation

About Us

  • Who We are
  • Meet the Team

Resources

  • Latest Blogs
  • Free Vendor List
  • PracticalGuides
  • Need Funding?
  • Property Inspector
  • Down Payment Eligibility

Communities

  • Otsego County
  • Schoharie County
  • Chenango County
  • Delaware County
  • Greene County
  • Broome County
  • Oneida County
  • Montgomery County
  • Ulster County

Disclosures

  • Standard Operating Procedure
  • NYS Buyer-Seller
  • NYS Landlord-Tenant
  • Tenant Rights Notice
  • Fair Housing Notice
  • Privacy Policy
  • Location Services
  • Properties Preferences
  • Map Data Attribution

© 2026 Homes, Farms & Land. All rights reserved.

Property at 43 White Anchor Cove, Cato, NY 13080
ACTIVE
$15,000
$785,000

43 White Anchor CoveCato, NY, 13080

4 Beds2 Baths3,500 SqFt10.8 Acres
Welcome to 43 White Anchor Cove, a rare lakeside retreat nestled on nearly 11 acres with a private 2-acre pond and 2,600 feet of Cross Lake waterfront. This home is a showcase of thoughtful design and custom craftsmanship, blending comfort, style, and the best of outdoor living. The exterior features white pine board and batten siding, a stamped walkway leading to a pergola-covered entry, and a stone patio with a built-in fire pit, pizza oven, and grill—perfect for entertaining or relaxing with family and friends. Inside, you’ll find soaring ceilings, sun-filled windows, and a host of unique details: hand-hewn support beams, custom cherry doors, slate-covered window alcoves, and arts & crafts light fixtures. The contemporary wood stove in the family room and multi-zoned radiant heat beneath stamped concrete floors keep the space warm and inviting year-round. The heart of the home is a one-of-a-kind designer kitchen, featuring a circular black walnut island and custom cabinetry. The open layout flows effortlessly into the living and dining areas. The first floor includes two bedrooms and a full bath, while upstairs offers two additional bedrooms and another full bathroom. Every window is outfitted with custom fabric and insulated cellular shades for comfort and privacy. Enjoy lush grounds ,a fenced garden area, and an oversized, foam-insulated 3+ car garage with a versatile second-story bonus room—ideal for a studio, office, or guest suite. The home also features both passive and active solar heating systems for energy efficiency. As a resident of the exclusive 15-family White Anchor Cove association, you’ll have private access to 35 acres of recreational trails, a clubhouse, sandy beach, and your own boat slip on Cross Lake—plus direct entry to the 525-mile NYS Canal System from your backyard. If you’re seeking a blend of custom luxury, privacy, and an active lakeside lifestyle, this is a property you’ll want to experience.
1 / 50

Est. Monthly

$3,721/MO

$785,000
$15,000

43 White Anchor Cove, Cato, NY

4 Beds2 Baths3,500 SqFt10.8 Acres

Welcome to 43 White Anchor Cove, a rare lakeside retreat nestled on nearly 11 acres with a private 2-acre pond and 2,600 feet of Cross Lake waterfront. This home is a showcase of thoughtful design and custom craftsmanship, blending comfort, style, and the best of outdoor living. The exterior features white pine board and batten siding, a stamped walkway leading to a pergola-covered entry, and a stone patio with a built-in fire pit, pizza oven, and grill—perfect for entertaining or relaxing with family and friends. Inside, you’ll find soaring ceilings, sun-filled windows, and a host of unique details: hand-hewn support beams, custom cherry doors, slate-covered window alcoves, and arts & crafts light fixtures. The contemporary wood stove in the family room and multi-zoned radiant heat beneath stamped concrete floors keep the space warm and inviting year-round. The heart of the home is a one-of-a-kind designer kitchen, featuring a circular black walnut island and custom cabinetry. The open layout flows effortlessly into the living and dining areas. The first floor includes two bedrooms and a full bath, while upstairs offers two additional bedrooms and another full bathroom. Every window is outfitted with custom fabric and insulated cellular shades for comfort and privacy. Enjoy lush grounds ,a fenced garden area, and an oversized, foam-insulated 3+ car garage with a versatile second-story bonus room—ideal for a studio, office, or guest suite. The home also features both passive and active solar heating systems for energy efficiency. As a resident of the exclusive 15-family White Anchor Cove association, you’ll have private access to 35 acres of recreational trails, a clubhouse, sandy beach, and your own boat slip on Cross Lake—plus direct entry to the 525-mile NYS Canal System from your backyard. If you’re seeking a blend of custom luxury, privacy, and an active lakeside lifestyle, this is a property you’ll want to experience.

StatusActive
Property TypeResidential
Property SubtypeSingle Family Residence
Year Built2010
Total Rooms11 rooms
Days on Market145 days

Est. Monthly Payment

$3,720.88

%
%
yr

Private Mortgage Insurance

Not required

Affordability Checkoptional
$

Enter your annual income to check affordability

Property Details

Property Information

43 White Anchor Cove

Cato, NY 13080 • Cayuga
4
Beds
2
Baths
3,500
SqFt
10.8
Acres
Status
Active
Property Type
Residential
Property Subtype
Single Family Residence
Year Built
201016 years ago
Total Rooms
11 rooms
Days on Market
145 days
Tax History
Estimated values, may not reflect current amounts.
  • Annual Tax Amount
    $13,274
Property History
  • Price reduced
    Mar 9, 2026 • NYSAMLS • S1658343
    $800,000 → $785,000
  • Listed for sale
    Jan 16, 2026 • NYSAMLS • S1658343
    $800,000
Mortgage Calculator
Estimated monthly payment for this property
$3,720.88
Down Payment
Interest Rate
Loan Term
%
%
yearsyrs.
Affordability Checkoptional
$

Enter your annual income to see if this home fits your budget

Private Mortgage Insurance

Not required — down payment above 20%
MLS Information
  • Source
    NYSAMLS
  • MLS#
    S1658343
  • Listing Office
    e Xp Realty
  • Last Updated
    26 days ago

Appliances

  • Appliances
    • Dishwasher
    • Electric Cooktop
    • Exhaust Fan
    • Propane Water Heater
    • Refrigerator
    • Range Hood
    • Water Purifier Owned

Climate & Systems

  • Heating
    • Ductless
    • Propane
    • Solar
    • Hot Water
    • Radiant Floor
    • Radiant

Interior Features

  • Flooring
    • Carpet
    • Tile
    • Varies
  • Interior Features
    • Ceiling Fans
    • Cathedral Ceilings
    • Eat In Kitchen
    • Separate Formal Living Room
    • Home Office
    • Hot Tub Spa
    • Bedroom On Main Level

Parking

  • Parking Features
    • Attached
    • Garage
    • Garage Door Opener
  • Garage Spaces
    3

Lot & Grounds

  • Lot Size
    10.8 acres
  • Lot Features
    • Agricultural
    • Rectangular
    • Rectangular Lot
    • Secluded
  • Fencing
    Partial
  • Patio & Porch
    Patio
  • Exterior Features
    • Blacktop Driveway
    • Dock
    • Fence
    • Hot Tub Spa
    • Patio
    • See Remarks
    • Propane Tank Leased

Type

  • Property Type
    Residential
  • Property Subtype
    Single Family Residence
  • Architectural Style
    Colonial

Structure

  • Construction
    Wood Siding
  • Foundation
    • Other
    • See Remarks
    • Slab

Condition

  • Year Built
    2010
  • Condition
    Resale
  • Days on Market
    145 days
  • Water
    Well
  • Sewer
    Septic Tank
  • Electric
    Circuit Breakers
  • Utilities
    High Speed Internet Available

607-282-6242, (607) 282-6242, or +1 607 282 6242

Kevin Lucero

Kevin Lucero

Lic. Real Estate Salesperson

CallEmail
Picked for you

Similar Properties

Handpicked listings that match what you're looking at

View all →
  • 6305 Brookhill Drive, Victor, NY 14564ACTIVE$706,660

    6305 Brookhill Drive, Victor, NY 14564

    3 Beds2 Baths1,950 SqFt0.6 Acres

    LISTING BY WOODSTONE REALTY

  • 6340 Brookhill Drive, Victor, NY 14564ACTIVE$707,040OPEN 6/21

    6340 Brookhill Drive, Victor, NY 14564

    3 Beds2.5 Baths2,118 SqFt

    LISTING BY WOODSTONE REALTY

  • 1058 Valerie Drive, Niskayuna, NY 12309ACTIVE$709,000OPEN 6/13

    1058 Valerie Drive, Niskayuna, NY 12309

    4 Beds3.5 Baths3,522 SqFt0.44 Acres

    LISTING BY VENTURE FOX REALTY GROUP LLC

  • 960 Olmstedville Road, Chester, NY 12853ACTIVE$709,000

    960 Olmstedville Road, Chester, NY 12853

    3 Beds3 Baths2,499 SqFt23.99 Acres

    LISTING BY GALLO REALTY ADK INC

  • 45 McBride Road, Halfmoon, NY 12118ACTIVE$709,500

    45 McBride Road, Halfmoon, NY 12118

    4 Beds2.5 Baths2,162 SqFt1.18 Acres

    LISTING BY KW PLATFORM

  • 553 Potter Hill Road, Bolton, NY 12814ACTIVE$709,900

    553 Potter Hill Road, Bolton, NY 12814

    3 Beds2.5 Baths2,600 SqFt2.6 Acres

    LISTING BY MURATORI APPRAISALS

  • 165 Schwartz Road, Lancaster, NY 14086ACTIVE$709,900

    165 Schwartz Road, Lancaster, NY 14086

    4 Beds2.5 Baths2,513 SqFt4.48 Acres

    LISTING BY HOWARD HANNA WNY INC.

  • Lot 37 Windrow Way, Halfmoon, NY 12118ACTIVE$709,900

    Lot 37 Windrow Way, Halfmoon, NY 12118

    3 Beds2 Baths2,389 SqFt0.27 Acres

    LISTING BY ROB MAR REALTY INC

  • Lot 4 Devitt Cir (Red Barn Ext), Clay, NY 13088ACTIVE$709,900

    Lot 4 Devitt Cir (Red Barn Ext), Clay, NY 13088

    3 Beds2.5 Baths2,476 SqFt0.3 Acres

    LISTING BY COLDWELL BANKER PRIME PROP,INC

  • 15 Stone Creek Drive, East Greenbush, NY 12061ACTIVE$709,900

    15 Stone Creek Drive, East Greenbush, NY 12061

    4 Beds2.5 Baths2,613 SqFt0.27 Acres

    LISTING BY AMEDORE HOMES