# 20432 S Shore Road, Three Mile Bay, NY 13693

> **TL;DR:** 4bd/2ba single family, $285,000 ($186/sqft), built 2005, 1,536 sqft.
> Waterfront, View. Est. $1,524/mo. Listed 87 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $285,000 |
| Price/sqft | $186 |
| Bedrooms | 4 |
| Bathrooms | 2 full |
| Square Feet | 1,536 |
| Year Built | 2005 |
| Lot Size | 87,120 sqft (2.00 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 87 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Water

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,441 |
| Estimated Insurance | $83 |
| **Total** | **$1,524** |

## Key Amenities

- Waterfront
- View

## Property Highlights

- Built in 2005
- 2.00 acre lot
- Waterfront

## Description

### Agent 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.

## Location

- **Address:** 20432 S Shore Road, Three Mile Bay, NY 13693
- **County:** Jefferson
- **Coordinates:** 43.969876, -76.250786
- **Google Maps:** https://www.google.com/maps?q=43.969876,-76.250786

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/syr/S1703677

## Listing Agent

- **Name:** Beth Miller · **License:** 10301221617
- **Brokerage:** Lake Ontario Realty LLC
- **Broker Phone:** (315) 649-3434
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/20432-S-Shore-Rd_Three-Mile-Bay_NY_13693_M31768-89876?f=listhub&s=BNARNY&m=S1703677&c=propsimple)

## Photos

![20432 S Shore Road - Photo 1](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f2109404337r.jpg)

![20432 S Shore Road - Photo 2](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f959617653r.jpg)

![20432 S Shore Road - Photo 3](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f3132025623r.jpg)

![20432 S Shore Road - Photo 4](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f3526250375r.jpg)

![20432 S Shore Road - Photo 5](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1205255976r.jpg)

![20432 S Shore Road - Photo 6](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1599295289r.jpg)

![20432 S Shore Road - Photo 7](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1051678549r.jpg)

![20432 S Shore Road - Photo 8](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1599923347r.jpg)

![20432 S Shore Road - Photo 9](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f3358373627r.jpg)

![20432 S Shore Road - Photo 10](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f509796923r.jpg)

![20432 S Shore Road - Photo 11](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f4111590456r.jpg)

![20432 S Shore Road - Photo 12](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f22598702r.jpg)

![20432 S Shore Road - Photo 13](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1436580290r.jpg)

![20432 S Shore Road - Photo 14](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1242758179r.jpg)

![20432 S Shore Road - Photo 15](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f526165019r.jpg)

![20432 S Shore Road - Photo 16](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f669069447r.jpg)

![20432 S Shore Road - Photo 17](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f2342236164r.jpg)

![20432 S Shore Road - Photo 18](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f2996539226r.jpg)

![20432 S Shore Road - Photo 19](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f895242423r.jpg)

![20432 S Shore Road - Photo 20](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f533828186r.jpg)

![20432 S Shore Road - Photo 21](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f196995570r.jpg)

![20432 S Shore Road - Photo 22](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f332980503r.jpg)

![20432 S Shore Road - Photo 23](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f4052741520r.jpg)

![20432 S Shore Road - Photo 24](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f195132749r.jpg)

![20432 S Shore Road - Photo 25](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f3309934493r.jpg)

![20432 S Shore Road - Photo 26](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f2928227257r.jpg)

![20432 S Shore Road - Photo 27](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f3769837029r.jpg)

![20432 S Shore Road - Photo 28](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1305484643r.jpg)

![20432 S Shore Road - Photo 29](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f4004178346r.jpg)

![20432 S Shore Road - Photo 30](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1666219838r.jpg)

![20432 S Shore Road - Photo 31](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f711202156r.jpg)

![20432 S Shore Road - Photo 32](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f3706686375r.jpg)

![20432 S Shore Road - Photo 33](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1695417085r.jpg)

![20432 S Shore Road - Photo 34](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f79712975r.jpg)

![20432 S Shore Road - Photo 35](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f457620510r.jpg)

![20432 S Shore Road - Photo 36](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f266409296r.jpg)

![20432 S Shore Road - Photo 37](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f4052741520r.jpg)

![20432 S Shore Road - Photo 38](http://lh.rdcpix.com/cb9a3de3afdf9f1e8e5052a19e455317l-f1836596595r.jpg)

---

**MLS#:** S1703677 | **Updated:** 2026-10-22
**Source:** listhub

*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.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/20432-s-shore-road-three-mile-bay-ny-13693-c8603dce26be4bbbb7c6cd5f5eb8ee8b)

---

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    "name": "Beth Miller",
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      "name": "Lake Ontario Realty LLC",
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}
```