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607-282-6242kevin@homesfarmsandland.com

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Property at 657 W Cottage Lane, DeRuyter, NY 13052
CLOSED
$305,000
$895,000

657 W Cottage LaneDeRuyter, NY, 13052

4 Beds3 Baths2,672 SqFt0.89 Acres
Everyone says they’ve got the best spot on the lake—but this one truly stands out. With over 300 feet of shoreline and nearly an acre of land, this south-end stunner sits on a rare peninsula-like lot that feels like your own private retreat. Sun-soaked from morning ‘til night and surrounded by water on three sides, it’s the kind of place where lake life comes easy. After all, it’s always 5 o’clock on De Ruyter Lake. Built in 2008 by a custom home builder, this 2,672 square foot, four-bedroom, three-bath home was made for relaxed living and year-round comfort. The open-concept layout is full of charm and natural light, with vaulted ceilings, radiant in-floor heat, rich hardwood floors, and a cozy wood-burning fireplace at its heart. The living room looks out over the water, and there’s a convenient first-floor bedroom plus a spacious primary suite. A breezeway connects the home to the two-car attached garage, offering plenty of storage for all your lake toys and gear—boats, bikes, kayaks, and more. Whether you’re casting a line, taking a morning paddle, jumping off the dock, or kicking back by the fire pit with friends, this lake is made for memory-making. And when you’re ready to head out for the evening, the Boathouse Restaurant is right around the corner—perfect for lakeside dining and tales of the one that got away. No projects, no worries—just move in, exhale, and let the lake life begin.

Est. Monthly

$4,242/mo

$895,000
$305,000

657 W Cottage Lane, DeRuyter, NY

4 Beds3 Baths2,672 SqFt0.89 Acres

Everyone says they’ve got the best spot on the lake—but this one truly stands out. With over 300 feet of shoreline and nearly an acre of land, this south-end stunner sits on a rare peninsula-like lot that feels like your own private retreat. Sun-soaked from morning ‘til night and surrounded by water on three sides, it’s the kind of place where lake life comes easy. After all, it’s always 5 o’clock on De Ruyter Lake. Built in 2008 by a custom home builder, this 2,672 square foot, four-bedroom, three-bath home was made for relaxed living and year-round comfort. The open-concept layout is full of charm and natural light, with vaulted ceilings, radiant in-floor heat, rich hardwood floors, and a cozy wood-burning fireplace at its heart. The living room looks out over the water, and there’s a convenient first-floor bedroom plus a spacious primary suite. A breezeway connects the home to the two-car attached garage, offering plenty of storage for all your lake toys and gear—boats, bikes, kayaks, and more. Whether you’re casting a line, taking a morning paddle, jumping off the dock, or kicking back by the fire pit with friends, this lake is made for memory-making. And when you’re ready to head out for the evening, the Boathouse Restaurant is right around the corner—perfect for lakeside dining and tales of the one that got away. No projects, no worries—just move in, exhale, and let the lake life begin.

StatusClosed
Property TypeResidential
Property SubtypeSingle Family Residence
Year Built2008
Total Rooms9 rooms
Days on Market85 days

Est. Monthly Payment

$4,242.28

%
%
yr

Private Mortgage Insurance

Not required

Affordability Checkoptional
$

Enter your annual income to check affordability

Property Details

Property Information

657 W Cottage Lane

DeRuyter, NY 13052 • Madison
4
Beds
3
Baths
2,672
SqFt
0.89
Acres
Status
Closed
Property Type
Residential
Property Subtype
Single Family Residence
Year Built
200818 years ago
Total Rooms
9 rooms
Days on Market
85 days
Tax History
Estimated values, may not reflect current amounts.
  • Annual Tax Amount
    $8,426
Property History
  • Closed
    Aug 8, 2025 • NYSAMLS • S1605182
    $895,000
  • Price reduced
    Jun 13, 2025 • NYSAMLS • S1605182
    $1,200,000 → $895,000
  • Listed for sale
    May 15, 2025 • NYSAMLS • S1605182
    $1,200,000
Mortgage Calculator
Estimated monthly payment for this property
$4,242.28
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#
    S1605182
  • Listing Office
    Limestone Creek Properties LLC
  • Last Updated
    37 days ago

Appliances

  • Appliances
    • Built In Range
    • Built In Oven
    • Dishwasher
    • Gas Cooktop
    • Disposal
    • Microwave
    • Refrigerator
    • Tankless Water Heater
    • Water Softener Owned

Climate & Systems

  • Heating
    • Propane
    • Radiant

Interior Features

  • Flooring
    • Hardwood
    • Tile
    • Varies
  • Basement
    None
  • Interior Features
    • Ceiling Fans
    • Entrance Foyer
    • Separate Formal Living Room
    • Granite Counters
    • Home Office
    • Jetted Tub
    • Kitchen Island
    • Storage
    • Natural Woodwork
    • Bath In Primary Bedroom
    • Main Level Primary

Parking

  • Parking Features
    • Attached
    • Garage
    • Heated Garage
  • Garage Spaces
    2

Lot & Grounds

  • Lot Size
    0.89 acres
  • Lot Features
    • Irregular Lot
    • Residential Lot
  • Patio & Porch
    Patio
  • Exterior Features
    • Dock
    • Gravel Driveway
    • Patio
    • See Remarks
    • Propane Tank Owned

Type

  • Property Type
    Residential
  • Property Subtype
    Single Family Residence
  • Architectural Style
    • Contemporary
    • Two Story

Structure

  • Construction
    Wood Siding
  • Roof
    • Architectural
    • Shingle
  • Foundation
    Poured

Condition

  • Year Built
    2008
  • Condition
    Resale
  • Days on Market
    85 days
  • Water
    Well
  • Sewer
    Septic Tank
  • Electric
    Circuit Breakers
  • Utilities
    • Cable Available
    • Electricity Connected
    • High Speed Internet Available

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

Kevin Lucero

Kevin Lucero

Lic. Real Estate Salesperson

CallEmail
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