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Owner finance

$674,900

6689 State Route 90 N

Cayuga, NY 13034

Beds3
Baths2
Sq ft2,499
Year built1940
Rent estimate$2,201/mo
Listed by

Evan Schaefer, NORCHAR, LLC · (585) 337-1764

What the listing says

Exceptional Cayuga Lake retreat set on 1.2 acres with 100 feet of prime east side lake frontage. Offering (6) TOTAL BEDROOMS and (4) FULL BATHROOMS across TWO private residences, alongside a rare blend of turnkey living, privacy, and income potential. Whether you re seeking a full time lake home, weekend escape, or investment with short-term rental upside, this property delivers versatility that is difficult to replicate. The reimagined 3 bedroom, 2 bath Ranch spans just over 1,500 square feet and features a brand new kitchen and baths, vaulted ceilings, oak hardwood floors, and a new 650Sqft Trex deck designed for effortless lakeside living. Take in stunning sunsets from the living room or unwind outdoors with unobstructed water views. A fully rebuilt, 1,000 square foot accessory dwelling unit (ADU) with lake views offers an additional 3 bedrooms and 2 full bathrooms, complete with all new plumbing, electrical, HVAC, kitchen, baths, and a 500Sqft Trex deck. Ideal as a guest house, in-law suite, or income-producing rental, the secondary residence is well suited for use on platforms such as Airbnb and Vrbo, creating flexibility rarely found along the lake. The expansive, usable shoreline supports the current 40ft dock and multiple watercraft, with convenient proximity to a nearby marina for larger boating access. With strong appeal for multigenerational living, hosting, or income generation, this property represents a unique opportunity to own a true lakefront compound on Cayuga Lake. Properties with this level of flexibility and dual living design rarely become available. The property is USDA Loan Eligible. A Short Term Rental Application with the town of Aurelius is $200, with a $500 renewal fee each year for Airbnb & VRBO property rentals. Maximize your STR income with this turnkey lakefront property. Ask about seller financing.

See the original listing ↗

This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.

Property Details

Property Type

Single Family

HOA

None

More owner-financed homes near Cayuga

Questions about owner financing in Cayuga

What is owner financing for 6689 State Route 90 N?

Owner financing means the seller of 6689 State Route 90 N acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this Cayuga, NY home mentions owner financing; confirm it with the seller.

Do I need good credit for owner financing?

There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.

How much is the down payment for this Cayuga home?

There is no standard down payment. The seller of this Cayuga home sets their own, and it is negotiable. Ask the seller or their agent.

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