551 W Cottage Lane
DeRuyter, NY 13052
Map
- 4 beds
- 2 baths
- 960 sqft
- 14,375 sqft lot
- $468 per sqft
- 1940 build
- – on site
Escape to the Lake! Located on the sought-after west side of DeRuyter Lake, this classic three-season cottage offers 57 feet of pristine waterfront and everything you need for unforgettable summers. The main camp features 2 bedrooms and 1 full bath, an open living/kitchen area, and a cozy enclosed porch with stunning lake views—the perfect spot for morning coffee, rainy day card games, or watching the sunset. Just steps away, a separate bunkhouse provides 2 additional bedrooms and a half bath—ideal for guests, kids, or extended family. The .33-acre lot is manageable, with mature trees and expansive lake views. Easy steps lead directly into the water, offering convenient access for swimming, paddling, or launching a kayak—making it a true lake lover’s retreat. Bonus features include a full, unfinished basement with laundry (washer & dryer included), and plenty of storage space for all your water toys. This is the kind of lakefront property that rarely hits the market—low-maintenance, high-enjoyment, and ready for your next chapter of lakeside living.
Last checked:
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Last updated Jun 23, 2025
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MLS# S1617238 —
This home is listed in more than one place. See it here.
The Building
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Year Built:1940
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Year Built Details:Existing
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Construction Materials:WoodSiding
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Architectural Style:Cottage
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Roof:Asphalt
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Basement:Full,WalkOutAccess
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Basement:true
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Foundation Details:Block
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Exterior Features:SeeRemarks,PropaneTankLeased
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Window Features:ThermalWindows
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Levels:One
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Building Area Total:960.0
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Building Area Source:PublicRecords
Interior
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Rooms Total:6
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Interior Features:SeparateFormalLivingRoom,CountryKitchen,BedroomOnMainLevel
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Flooring:Carpet,Hardwood,Laminate,Varies
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Fireplace:false
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Laundry Features:InBasement
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Stories:1
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Stories Total:1
Room Dimensions
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Living Area:960 Sqft
Location
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Directions:From West Lake Road, turn onto West Hill Road. Continue down the hill, then take a left onto West Cottage Road. Follow the road and look for signs directing you to the property.
The Property
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Property Type:Residential
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Property Subtype:SingleFamilyResidence
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Property Condition:Resale
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Parcel Number:252489-176-005-0001-013-000-0000
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Lot Features:CulDeSac,Rectangular,RectangularLot
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Lot Size Dimensions:60X135
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Lot Size Acres:0.33
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Lot Size SqFt:14375.0
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Lot Size Area:0.33
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Lot Size Units:Acres
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Frontage Length:57
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View:true
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View:SlopeView,Water
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Waterfront:true
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Waterfront Features:BeachAccess,DockAccess,Lake
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Water Body Name:DeRuyter Reservoir
Listing Agent
- Contact info:
- Agent phone:
- (315) 655-0303
- Office phone:
- (315) 655-0303
Taxes
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Tax Lot:13
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Tax Annual Amount:5519.0
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Tax Assessed Value:145000
Beds
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Bedrooms Total:4
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Main Level Bedrooms:4
Baths
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Total Baths:2
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Full Baths:1
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Half Baths:1
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Main Level Baths:2
The Listing
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Virtual Tour URL Branded:https://www.propertypanorama.com/instaview-tour/syr/S1617238
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Virtual Tour URL Unbranded:https://www.propertypanorama.com/instaview/syr/S1617238
Heating & Cooling
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Heating:Propane,ForcedAir
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Heating:true
Utilities
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Utilities:CableAvailable,HighSpeedInternetAvailable
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Electric:CircuitBreakers
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Sewer:SepticTank
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Water Source:Well
Appliances
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Appliances:Dryer,ElectricOven,ElectricRange,ElectricWaterHeater,Microwave,Refrigerator,Washer
Schools
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Elementary School:DeRuyter Elementary
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Elementary School District:DeRuyter
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Middle Or Junior School District:DeRuyter
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High School:De Ruyter High
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High School District:DeRuyter
The Community
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Senior Community:false
Parking
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Garage:false
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Parking Features:NoGarage
Monthly cost estimate
Asking price
$449,900
| Expense | Monthly cost |
|---|---|
|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$2,409
|
| Taxes | $459 |
| Insurance | $123 |
| Utilities | $173 See report |
| Total | $3,164/mo.* |
| *This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Sale history
| Date | Event | Source | Price | % Change |
|---|---|---|---|---|
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6/23/25
Jun 23, 2025
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Listed / Active | NYSAMLS | $449,900 |
