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4 Beds
3 Baths
2,300 sqft

$629,900

185 Fire Lane 12, Cato NY, 13080

Price per sqft$273.87
Built in1958
Property size2,300 sqft
Property typeResidential

Overview

Active

Listed Aug 21, 2026

Updated 2 weeks ago

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.

$4,191/mo

Est. mortgage payment based on a $629,900 home price.

All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.

Additional information

MLS® ID
S1707135

Interior Features

Bedrooms
4
Bathrooms
3
Fireplace
Yes
Cooling
Yes
Heating
Yes
Basement
No

Exterior Features

Lot Size
0.92 Acres

Other Property Details

Taxes
$7,877
Tax Frequency
Annually
Association Fee Frequency
Yearly
View
Yes
Waterfront
Yes
MLS provider logo

 

Courtesy of eXp Realty, Kelly Suzanne Hall

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Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither the listing broker(s), Bonnie Pagano Team, nor Luxury Presence shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.

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Data last updated 3:23 AM UTC, 9/24/2026

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