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

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

Layout spacer

    Layout spacer

      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 98 Krystyna Lane, Cato, NY 13080
      CLOSED
      0
      $499,900

      98 Krystyna LaneCato, NY, 13080

      Unit • 63 Beds2.5 Baths1,824 SqFt0.528 Acres
      Wonderful Waterfront on Cross Lake! Welcome to 98 Krystyna Drive, a stunning ranch-style home offering 3 bedrooms, 2.5 baths, and unbeatable waterfront views. This property combines serene lakeside living with practical, stylish updates for year-round enjoyment. As you step inside, your eyes are immediately drawn to the back of the home, where three sliding glass doors frame breathtaking views of Cross Lake. Natural light floods the living space, creating a bright and inviting atmosphere. The kitchen features newer appliances, crisp white cabinetry, warm butcher block countertops, and—of course—lake views. Just off the kitchen, the sunken family room is perfectly positioned to soak in the scenery, the sliders open to a large 2 tier deck perfect for entertaining or just relaxing watching the boats go by. The family room flows seamlessly into the formal dining area. From the formal dining area there is a step down to a nook that opens into a floor-to-ceiling screened-in porch, perfect for morning coffee or evening relaxation. The primary ensuite has a large walk-in closet and is a true retreat, showcasing a spa-like bathroom with a frameless glass shower, dual shower heads, a double sink vanity, and elegant tile work throughout. The two additional bedrooms are located on the opposite side of the home, offering privacy for guests or family. Additional features include: A convenient half bath in the laundry area A full bath located between the secondary bedrooms 3 Car Garage!! Don’t miss the opportunity to live in this thoughtfully designed, move-in ready waterfront gem!

      Est. Monthly

      $2,370/mo

      $499,900

      98 Krystyna Lane, Cato, NY

      Unit • 63 Beds2.5 Baths1,824 SqFt0.528 Acres

      Wonderful Waterfront on Cross Lake! Welcome to 98 Krystyna Drive, a stunning ranch-style home offering 3 bedrooms, 2.5 baths, and unbeatable waterfront views. This property combines serene lakeside living with practical, stylish updates for year-round enjoyment. As you step inside, your eyes are immediately drawn to the back of the home, where three sliding glass doors frame breathtaking views of Cross Lake. Natural light floods the living space, creating a bright and inviting atmosphere. The kitchen features newer appliances, crisp white cabinetry, warm butcher block countertops, and—of course—lake views. Just off the kitchen, the sunken family room is perfectly positioned to soak in the scenery, the sliders open to a large 2 tier deck perfect for entertaining or just relaxing watching the boats go by. The family room flows seamlessly into the formal dining area. From the formal dining area there is a step down to a nook that opens into a floor-to-ceiling screened-in porch, perfect for morning coffee or evening relaxation. The primary ensuite has a large walk-in closet and is a true retreat, showcasing a spa-like bathroom with a frameless glass shower, dual shower heads, a double sink vanity, and elegant tile work throughout. The two additional bedrooms are located on the opposite side of the home, offering privacy for guests or family. Additional features include: A convenient half bath in the laundry area A full bath located between the secondary bedrooms 3 Car Garage!! Don’t miss the opportunity to live in this thoughtfully designed, move-in ready waterfront gem!

      StatusClosed
      Property TypeResidential
      Property SubtypeSingle Family Residence
      Year Built2002
      Total Rooms9 rooms
      Days on Market148 days

      Est. Monthly Payment

      $2,369.51

      %
      %
      yr

      Private Mortgage Insurance

      Not required

      Affordability Checkoptional
      $

      Enter your annual income to check affordability

      Property Details

      Property Information

      98 Krystyna Lane

      Cato, NY 13080 • Cayuga
      3
      Beds
      2.5
      Baths
      1,824
      SqFt
      0.528
      Acres
      Status
      Closed
      Property Type
      Residential
      Property Subtype
      Single Family Residence
      Year Built
      200224 years ago
      Total Rooms
      9 rooms
      Days on Market
      148 days
      Tax History
      Estimated values, may not reflect current amounts.
      • Annual Tax Amount
        $7,556
      Property History
      • Closed
        Nov 7, 2025 • NYSAMLS • S1612907
        $499,900
      • Listed for sale
        Jun 12, 2025 • NYSAMLS • S1612907
        $499,900
      Mortgage Calculator
      Estimated monthly payment for this property
      $2,369.51
      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#
        S1612907
      • Listing Office
        Coldwell Banker Prime Prop,Inc
      • Last Updated
        33 days ago

      Appliances

      • Appliances
        • Convection Oven
        • Dishwasher
        • Electric Oven
        • Electric Range
        • Disposal
        • Microwave
        • Oil Water Heater
        • Refrigerator

      Climate & Systems

      • Heating
        • Oil
        • Baseboard
        • Hot Water

      Interior Features

      • Flooring
        • Carpet
        • Ceramic Tile
        • Hardwood
        • Varies
      • Doors
        Sliding Doors
      • Basement
        Full
      • Windows
        Drapes
      • Interior Features
        • Ceiling Fans
        • Entrance Foyer
        • Eat In Kitchen
        • Great Room
        • Pantry
        • Sliding Glass Doors
        • Window Treatments
        • Bath In Primary Bedroom
        • Main Level Primary
        • Primary Suite

      Parking

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

      Lot & Grounds

      • Lot Size
        0.528 acres
      • Lot Features
        • Flood Zone
        • Rectangular
        • Rectangular Lot
      • Patio & Porch
        • Deck
        • Open
        • Porch
      • Exterior Features
        • Blacktop Driveway
        • Deck
        • Enclosed Porch
        • Porch

      Type

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

      Structure

      • Construction
        • Vinyl Siding
        • Copper Plumbing
      • Roof
        Asphalt
      • Foundation
        Poured

      Condition

      • Year Built
        2002
      • Condition
        Resale
      • Days on Market
        148 days
      • Water
        Well
      • Sewer
        Septic Tank
      • Electric
        Circuit Breakers
      • Utilities
        • 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
      Picked for you

      Similar Properties

      Handpicked listings that match what you're looking at

      View all →
      • 88 Aiken Road, Granville, NY 12849ACTIVE$449,999

        88 Aiken Road, Granville, NY 12849

        3 Beds2.5 Baths1,832 SqFt8.4 Acres

        LISTING BY CLEARDOOR, INC

      • 25516 Contessa Lane, Brownville, NY 13601ACTIVE$450,000

        25516 Contessa Lane, Brownville, NY 13601

        3 Beds3 Baths2,366 SqFt2.65 Acres

        LISTING BY GREY ARROW REALTY, INC.

      • 31 Brantley Way, Perinton, NY 14526ACTIVE$450,000OPEN 5/20

        31 Brantley Way, Perinton, NY 14526

        3 Beds2 Baths2,020 SqFt0.23 Acres

        LISTING BY HUNT REAL ESTATE ERA/COLUMBUS

      • 87 Clinton Street, New Hartford, NY 13417ACTIVE$450,000

        87 Clinton Street, New Hartford, NY 13417

        5 Beds2.5 Baths2,422 SqFt1.22 Acres

        LISTING BY COLDWELL BANKER FAITH PROPERTIES

      • 1 Sparrow Lane, DeWitt, NY 13066ACTIVE$450,000

        1 Sparrow Lane, DeWitt, NY 13066

        4 Beds2.5 Baths2,619 SqFt0.43 Acres

        LISTING BY HOWARD HANNA REAL ESTATE

      • 2314 Winterberry Drive, Hamburg, NY 14085ACTIVE$450,000

        2314 Winterberry Drive, Hamburg, NY 14085

        4 Beds2.5 Baths2,276 SqFt0.1956 Acres

        LISTING BY HOWARD HANNA WNY INC.

      • 30117 State Highway 10, Walton, NY 13856ACTIVE$450,000

        30117 State Highway 10, Walton, NY 13856

        3 Beds3 Baths1,300 SqFt59.6 Acres

        LISTING BY COLDWELL BANKER TIMBERLAND PROPERTIES

      • 228 Countryside Lane, Amherst, NY 14221ACTIVE$450,000

        228 Countryside Lane, Amherst, NY 14221

        4 Beds2.5 Baths2,380 SqFt0.2834 Acres

        LISTING BY CENTURY 21 NORTH EAST

      • 211 Genesee Street, Montour, NY 14865ACTIVE$450,000

        211 Genesee Street, Montour, NY 14865

        4 Beds1.5 Baths3,528 SqFt0.98 Acres

        LISTING BY SMART FOCUS REALTY

      • 5509 County Road 36, Canadice, NY 14471ACTIVE$450,000

        5509 County Road 36, Canadice, NY 14471

        4 Beds2 Baths2,372 SqFt3 Acres

        LISTING BY EMPIRE REALTY GROUP