185 Fire Lane 12

Cato, NY
$ 629,900 Beds 4 Baths 3 Sq 2,300 Virtual Tour
Monthly Estimate* How much can I afford?

If lake life has been calling, this one is worth a look. Welcome to 185 Fire Lane 12, a truly special Cross Lake property offering nearly an acre of land, 100 feet of private waterfront, your own beach, a 96-foot dock, a 4-bedroom, 3 full bath home AND a separate guest home. The home has been thoughtfully expanded and cared for over the years, including the addition of a primary suite with full bath and walk-in closet that includes a washer/dryer. The enclosed lakeside screen room is the kind of place made for morning coffee, summer dinners and relaxing after a day on the water. Worry-free updates are taken care of, including the roof, siding on the home, brand new primary bed carpet, guest house and shed, furnace, tankless hot water, generator, gas fireplace insert, reverse-osmosis water system and new well pump. But what really makes this property special is what waits at the end of the expansive yard. Follow nearly an acre down to your private beach and 100 feet of Cross Lake waterfront, where a 96-foot dock with an 8' x 16' L and bench seating is waiting for you to come, sit, and stay a while. Did you know this lake can connect you all around the world? It's true. If you're ever feeling up for that kind of adventure! 185 Fire Lane 12 on Cross Lake is more than a place by the lake—it's a place to experience lake life for years to come. Your lake life starts here.

Active

  • Price
  • $ 629,900
  • City
  • Cato
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • CAYUGA
  • Half Bathrooms
  • 0
  • Area
  • Cato
  • Lot Size
  • 0.9247 Acres
  • Zip
  • 13080
  • Sqr Footage
  • 2,300
  • Year Built
  • 1958
  • Taxes
  • $ 7877
  • Style
  • TwoStory
  • MLS#
  • S1707135
Listed By: Kelly Suzanne Hall with eXp Realty;
Data Source: Central New York Information Services (CNYIS)

Features

General

Sewer SepticTank
Heating Propane,ForcedAir
Cooling Zoned
Utilities ElectricityAvailable,WaterConnected
Possession CloseOfEscrow,Immediately
Appliances Dryer,Dishwasher,GasCooktop,GasOven,GasRange,PropaneWaterHeater,Refrigerator,Washer
HOA Fee 200.0
Garage Spaces 0.0
Architectural Style TwoStory
Construction Materials SprayFoamInsulation,WoodSiding,InsulatedConcreteForms
School District Cato-Meridian
Year Built 1958
View Water
Township Not Applicable
Property Subtype SingleFamilyResidence
Waterfront Features BeachAccess,BoatRampLiftAccess,DeededAccess,DockAccess,Lake
Assoc Fee Paid Per Annually
County Cayuga
Property Type Residential
Subdivision Name Lakebreeze
Garage Y/N No
Total Rooms 10
Full Baths 3
Status Active
City Cato
Body of Water Cross Lake
Senior Community Y/N No
High School District Cato-Meridian
MLS Area Cato-052489
Lot Size Units Acres
Lot Size Square Feet 40280.0
Year Built Details Existing
Tax Annual Amount 7877.0
Property Condition Resale
Standard Status Active
Middle/Junior School District Cato-Meridian
Elementary School District Cato-Meridian
Tax Assessed Value 245000
TaxOtherAnnualAssessmentAmount 0.0
Tax Lot 50

Interior Features

Interior Amenities CeilingFans,EatInKitchen,SeparateFormalLivingRoom,HomeOffice,KitchenIsland,QuartzCounters,SlidingGlassDoors,BedroomOnMainLevel,MainLevelPrimary,PrimarySuite
Basement None
Flooring Carpet,Hardwood,LuxuryVinyl,Tile,Varies
Total Fireplaces 1
Total Stories 1
Basement (Y/N) No
Air Conditioning Y/N Yes
Heating Y/N Yes
Fireplace Y/N Yes
Laundry Features MainLevel
Total Bedrooms 4
Main Level Bedrooms 2
Main Level Bathrooms 2
Total Baths 3

Exterior Features

Exterior Amenities GravelDriveway,PropaneTankLeased
Parking Features NoGarage,Driveway
Lot Features Rectangular,RectangularLot,Wooded
Water Source Connected,Public,Well
Lot Size Area 0.9247
Foundation Details Block
Building Area Total 2300.0
Lot Dimensions 106X380
Lot Size Acres 0.9247
Frontage Length 100
Waterfront Y/N Yes
Door Features SlidingDoors
Road Frontage Type PrivateRoad

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Fayetteville, NY office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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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.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/21/2026 Listed $629,900

Property vs Zip Code Average in 13080

Price
AVG $400K
$630K
Taxes
AVG $7,535
$7,877
Year Built
AVG 1978
1958
Visits
AVG 91
18
Data Provided by Inside Real Estate®

185 Fire Lane 12 Cato, NY is a Single Family Home for sale at $629900 with 2300 sqft and a lot size of 0.9247 Acres Acre(s). 185 Fire Lane 12 Cato has 4 bedrooms, 3 baths and was built in 1958. The property's zip code is 13080 which is in Cato, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: 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.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.