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657 W Cottage Lane

DeRuyter, NY 13052

Name: Open House: 11am-1pm
Start: 2025-06-22T11:00:00
End: 2025-06-22T13:00:00
Location: 657 W Cottage Lane

4 beds
3 baths
2,672 sqft
~1 acre lot
$334 per sqft
2008 build
– on site

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 DeRuyter 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.

Listing courtesy of NYSAMLS / Limestone Creek Properties LLC

Last checked: Checking… • Last updated Jun 17, 2025 •

MLS# S1605182 —

Upcoming Open Houses

Sunday, 6/22
11am-1pm

The Building

Year Built:

2008
Year Built Details:

Existing
Construction Materials:

WoodSiding
Architectural Style:

Contemporary,TwoStory
Roof:

Architectural,Shingle
Basement:

None
Basement:

false
Foundation Details:

Poured
Exterior Features:

Dock,GravelDriveway,Patio,SeeRemarks,PropaneTankOwned
Patio And Porch Features:

Patio
Levels:

Two
Building Area Total:

2672.0
Building Area Source:

PublicRecords

Interior

Rooms Total:

9
Interior Features:

CeilingFans,EntranceFoyer,SeparateFormalLivingRoom,GraniteCounters,HomeOffice,JettedTub,KitchenIsland,Storage,NaturalWoodwork,BathInPrimaryBedroom,MainLevelPrimary
Flooring:

Hardwood,Tile,Varies
Fireplace:

true
Fireplaces Total:

1
Laundry Features:

MainLevel
Stories:

2
Stories Total:

2

Room Dimensions

Living Area:

2,672 Sqft

Location

Directions:

From Route 80 head south on Reservoir Rd, turn right onto C-R 98, then turn right onto Boathouse Ln and 657 West Cottage Ln will be on the right as soon as you turn onto West Cottage Ln.

The Property

Property Type:

Residential
Property Subtype:

SingleFamilyResidence
Property Condition:

Resale
Parcel Number:

252489-176-009-0001-024-000-0000
Lot Features:

IrregularLot,ResidentialLot
Lot Size Dimensions:

175X409
Lot Size Acres:

0.89
Lot Size SqFt:

38768.0
Lot Size Area:

0.89
Lot Size Units:

Acres
Frontage Length:

304
Waterfront:

true
Waterfront Features:

BeachAccess,DockAccess,ReservoirInCommunity
Water Body Name:

DeRuyter Reservoir
Road Frontage Type:

CityStreet

Listing Agent

Contact info:

Taxes

Tax Lot:

24
Tax Annual Amount:

8426.0
Tax Assessed Value:

250000

Beds

Bedrooms Total:

4
Main Level Bedrooms:

1

Baths

Total Baths:

3
Full Baths:

3
Main Level Baths:

2

The Listing

Virtual Tour URL Branded:

https://www.propertypanorama.com/instaview-tour/syr/S1605182
Virtual Tour URL Unbranded:

https://www.propertypanorama.com/instaview/syr/S1605182

Heating & Cooling

Heating:

Propane,Radiant
Heating:

true

Utilities

Utilities:

CableAvailable,ElectricityConnected,HighSpeedInternetAvailable
Electric:

CircuitBreakers
Sewer:

SepticTank
Water Source:

Well

Appliances

Appliances:

BuiltInRange,BuiltInOven,Dishwasher,GasCooktop,Disposal,Microwave,Refrigerator,TanklessWaterHeater,WaterSoftenerOwned

Schools

Elementary School:

DeRuyter Elementary
Elementary School District:

DeRuyter
Middle Or Junior School District:

DeRuyter
High School:

De Ruyter High
High School District:

DeRuyter

The Community

Senior Community:

false

Parking

Garage:

true
Garage Spaces:

2.0
Attached Garage:

true
Parking Features:

Attached,Garage,HeatedGarage

Monthly cost estimate

Asking price

$895,000

Expense	Monthly cost
Mortgage	$4,792
Taxes	$702
Insurance	$246
Utilities	$163 See report
Total	$5,903/mo.^*
	^*This is an estimate

Explore the Area

My Commute

From

Walk Score®

Provided by WalkScore® Inc.

Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
6/13/25 Jun 13, 2025	Price Changed	NYSAMLS	$895,000	-25.4%
5/15/25 May 15, 2025	Listed / Active	NYSAMLS	$1,200,000

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This house located in DeRuyter, NY 13052 is currently for sale for $895,000. 657 W Cottage Lane is a 2,672 square foot house with 4 beds and 3 baths that has been on Estately for 34 days.

This site was last updated on 06/18/2025. All properties are subject to prior sale, changes, or withdrawal.

657 W Cottage Lane

DeRuyter, NY 13052