About This Home

This 4-bedroom, 2-bathroom single family at 20432 S Shore Road in Three Mile Bay, NY is listed for $285,000 ($186 per sqft). Built in 2005, the home offers 1,536 sqft of living space on a 2.00 acres lot.

Key Features

  • Built in 2005
  • 2.00 acre lot
  • Waterfront

Property Details

1 story
2 full
2005

Amenities

WaterfrontView
Listing 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.

Monthly Cost Estimate

$1,524/mo

20% down · 6.5% · 30 years

Principal$206
Interest$1,235
Insurance$83

Estimates only. Actual payments may vary.

Location

20432 S Shore Road

Three Mile Bay, NY 13693

Features & Amenities

Interior Features

CountryKitchenKitchenFamilyRoomComboLivingDiningRoomMainLevelPrimaryPrimarySuite

Exterior Features

GravelDrivewayPropaneTankLeased

Property Details

Flooring

CarpetVaries

Construction

VinylSiding

Views

Water

Parking

Garage

Heating

Propane (Heating)Radiant FloorRadiantHot Water(Heating)

Appliances

ElectricOvenElectricRangePropaneWaterHeaterRefrigeratorTanklessWaterHeater

Questions & Answers

This 4-bedroom, 2-bathroom single family at 20432 S Shore Road is listed at $285,000 ($186/sqft). The estimated monthly payment is $1,524 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2005, 2.00 acre lot, Waterfront. Interior Features: CountryKitchen, KitchenFamilyRoomCombo, LivingDiningRoom. Exterior Features: GravelDriveway, PropaneTankLeased.

This property is listed by Beth Miller.

BM

Beth Miller

License 10301221617

Agent at Lake Ontario Realty LLC

Listed by Lake Ontario Realty LLC · Broker phone: (315) 649-3434 · View on Broker Site · Broker website

MLS# S1703677· Source: New York State Alliance of MLSs, LLC· 85 days on PropertySimple

Copyright © 2026 New York State Alliance of MLSs, LLC. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

20432 S Shore Road, Three Mile Bay, NY 13693

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