20432 S Shore Road Lyme, NY $ 285,000
20432 S Shore Road
$ 285,000
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20432 S Shore Road

Lyme, NY, 13693
$ 285,000
Bedrooms4 Baths2.0 Sq 1,536

Monthly Estimate*

$ 1,800

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Single Family Home for sale in Lyme, NY for $285,000 with 4 bedrooms and 2 full baths. This 1,536 square foot home was built in 2005 on a lot size of 2.

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.

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Single Family Active

Price

$ 285,000

Bedrooms

4

Full Bath

2

Property Type

Single Family

Taxes

$ 3,098

Style

Ranch,SplitLevel

Lot Size

2

Year Built

2005

Town/City

Lyme

County/Region

JEFFERSON

MLS | Web ID

S1703677

Features
Interior
Interior Amenities CountryKitchen KitchenFamilyRoomCombo LivingDiningRoom MainLevelPrimary PrimarySuite
Flooring Carpet Varies
Total Fireplaces 0
Total Stories 1
Heating Y/N Yes
Fireplace Y/N No
Half Baths 0
Laundry Features MainLevel
Total Bedrooms 4
Main Level Bedrooms 4
Main Level Bathrooms 2
Total Baths 2
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General
Sewer SepticTank
Heating Propane HotWater RadiantFloor
Possession CloseOfEscrow
Appliances ElectricOven ElectricRange PropaneWaterHeater Refrigerator TanklessWaterHeater
Garage Spaces 0.0
Architectural Style Ranch SplitLevel
Construction Materials VinylSiding
School District Lyme
Year Built 2005
View Water
Stories Count 1
Township Not Applicable
Levels One
Property Subtype SingleFamilyResidence
Waterfront Features BeachAccess DeededAccess Lake
County Jefferson
Property Type Residential
Garage Y/N No
Total Rooms 7
Full Baths 2
Status Active
Directions From Watertown take W Main St to NY 12E North toward Three Mile Bay. Continue onto County Route 57 which becomes South Shore Rd. Stay on South Shore Rd and the property will be on your left.
City Lyme
Body of Water Lake Ontario
Senior Community Y/N No
High School District Lyme
Number Of Units Total 0
MLS Area Lyme-224489
Lot Size Units Acres
Year Built Details Existing
Tax Annual Amount 3098.0
Property Condition Resale
Virtual Tour https://www.propertypanorama.com/instaview/syr/S1703677
Standard Status Active
Middle/Junior School District Lyme
Elementary School District Lyme
Tax Assessed Value 147000
TaxOtherAnnualAssessmentAmount 0.0
Tax Lot 7
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Exterior
Exterior Amenities GravelDriveway PropaneTankLeased
Parking Features NoGarage
Lot Features Rectangular RectangularLot
Water Source Well
Lot Size Area 2.0
Foundation Details Poured Slab
Building Area Total 1536.0
Lot Dimensions 130X656
Lot Size Acres 2.0
Frontage Length 15
Waterfront Y/N Yes
Road Frontage Type MainThoroughfare
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Internal Only
Street Number 1 20432
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* Excluded Features
List By
Lake Ontario Realty, Llc

Broker

bmillerlakeontariorealty@gmail.com

Email

Affordability Calculator

$2,058
Per Month
87%
13%
0%
Monthly Principal & Interest
$1,800
Monthly Property Taxes
$258
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3040715 Elementary School
3040757 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
8/3/2026$285,000 Listed Price

Map


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20432 S Shore Road, Lyme, NY, 13693 is a Single Family Home for sale at $285,000 with 1,536 sqft and a lot size of 2. 20432 S Shore Road has 4 bedrooms, 2.0 baths, and was built in 2005. The property's zip code is 13693 which is in Lyme, NY