Lyme Homes under $400,000

Lyme Homes under $400,000

Welcome to the charming town of Lyme, nestled in the picturesque Jefferson County of New York. Known for its stunning natural beauty and friendly community, Lyme is a hidden gem that offers a serene lifestyle away from the hustle and bustle of city life. With its proximity to the breathtaking Thousand Islands region, residents can enjoy a variety of outdoor activities, including boating, fishing, and hiking, all while soaking in the stunning views of the St. Lawrence River.

Lyme boasts a rich history and a welcoming atmosphere, making it an ideal place for families, retirees, and anyone looking to enjoy a peaceful life in a vibrant community. The town is dotted with local parks, recreational facilities, and charming shops that reflect the warm spirit of its residents.

For those considering making Lyme their home, you’ll be pleased to discover an array of beautiful properties available for under $400,000. These homes offer a perfect blend of affordability and comfort, whether you're looking for a cozy cottage, a spacious family home, or a serene retreat. Many of these properties come with ample outdoor space, allowing you to create your own personal oasis amidst the stunning landscape.

Living in Lyme means embracing a lifestyle filled with natural beauty, community engagement, and a slower pace of life. With its affordable housing options and a wealth of outdoor activities right at your doorstep, Lyme is the perfect place to call home. Come explore the possibilities and discover why so many are choosing to make this charming town their own!

Newest Lyme Homes under $400,000

25088 Fire Road 23, Lyme
$320,000
3 Beds ⋅ 1 Baths ⋅ S1718312 MLS
Welcome to your completely turn key Chaumont Bay getaway! This beautifully maintained 3 bedroom, 1 bath seasonal cottage offers approximately 1,000 square feet of comfortable living space on .4 acres with an impressive 90 feet of waterfront. Inside, you’ll love the beautifully updated kitchen featuring stainless steel appliances, butcher block countertops and plenty of space for preparing meals after a day on the water. The spacious primary bedroom easily accommodates a king sized bed plus a couch, creating the perfect place to unwind. Step outside onto the deck overlooking the bay, offering plenty of room for entertaining, dining, relaxing and soaking in the beautiful water views. There is also plenty of parking for family and guests. Chaumont Bay is known for excellent swimming, boating, fishing and endless water sports, making this an ideal spot for enjoying everything lake life has to offer. Whether you are looking for a peaceful retreat or a fun filled summer destination, this cozy three season property comes completely turn key and ready for you to start making memories on the water.

25088 Fire Road 23, Lyme
24863 Logans Road, Lyme
$299,000
2 Beds ⋅ 1 Baths ⋅ S1718143 MLS
Turnkey Lake Ontario Waterfront Living. Discover your own lakeside retreat with this beautifully remodeled, fully furnished 2-bedroom, 1-bath cottage offering stunning views of Lake Ontario. Simply open the door, unpack, and start enjoying waterfront living. Relax on the deck overlooking the lake, gather around the fire pit for unforgettable sunsets, or head out on the water from your own dock. A shed located across the road provides additional storage. With the potential for year-round enjoyment, this property is perfect for a seasonal getaway or a place to call home. Annual road maintenance is just $100. Don't miss this incredible opportunity to own your own piece of Lake Ontario. Boat is available and negotiable with the best offer. Text to schedule your private showing today and start enjoying the beauty of Lake Ontario

24863 Logans Road, Lyme
24482 Fire Road 26 N, Lyme
$299,000
3 Beds ⋅ 2 Baths ⋅ S1713870 MLS
Pack your bags, pick up a few groceries, and start enjoying lake life in this furnished three-bedroom, two-bath home with 75 feet of frontage on the calm waters of Chaumont Bay. The thoughtfully designed, single-level floor plan features an open kitchen, dining area, and living room, with great lake views. For added privacy, the primary suite is located on one side of the home, while the other two bedrooms and second full bath are on the opposite side. Near the end of a short road, the property offers little traffic which encourages wildlife, including possible sightings of bald eagles and fawns. Spend peaceful afternoons with a good book and a cold drink on the waterside deck, then enjoy easy, level access to the bay to cool off. The sale also includes the lot and shed across the road, providing ample space for parking, boat storage, gardens, or other uses. Contact an agent today to schedule a showing before the season ends.

24482 Fire Road 26 N, Lyme
28363 Lotts Grove Road, Lyme
$359,900
2 Beds ⋅ 1 Baths ⋅ S1711357 MLS
Here’s your chance to enjoy waterfront living year-round! Situated on 52 feet of Three Mile Bay waterfront, this cozy, well-cared-for home offers beautiful views of the bay and out toward Lake Ontario. Spend your summers on the water with your own dock, or relax on the wonderful waterfront deck and take in the views, sunsets, and fresh lake air. Inside, you’ll find a comfortable open floor plan that makes the home feel warm and welcoming. Upstairs are two bedrooms, including a primary bedroom overlooking the waterfront—imagine waking up to that view every morning! The second bedroom overlooks the huge yard, offering plenty of room to enjoy the outdoors. And there’s more! The property also features two seasonal bunkhouses—perfect for extra guests—a pergola ideal for grilling and outdoor entertaining, plus a 2-car garage with plenty of room for your vehicles, water toys, and gear. And if you hurry, you may even get lucky—the pontoon boat may still be available for sale! Whether you’re looking for a year-round home, waterfront getaway, or a place where family and friends can gather and make memories, this property has so much to offer. Priced to sell—don’t wait! Call, click, or text today for an appointment to see this year round Three Mile Bay waterfront property!

28363 Lotts Grove Road, Lyme
24407 Hayes Bay Road, Lyme
$329,900
2 Beds ⋅ 1 Baths ⋅ S1711639 MLS
This gorgeous waterfront cottage on Lake Ontario is just waiting to be yours! Completely remodeled over the past few years, this charming getaway features a new metal roof, kitchen appliances, hot water heater, water filtration system, renovated bathroom and bedrooms, plus spacious composite front and side decks—perfect for soaking up those beautiful lake views! Speaking of views! Always mesmerizing, you will get to watch the magnificent ships slowly pass by in the distance! With over 50 feet of waterfront, an amazing seawall, great swimming, kayaking, paddle boarding and even better fishing, this property offers everything you need to enjoy life on the lake! And the best part? It comes furnished! Indoor and outdoor furniture, decor, pots and pans, a grill, and so much more are included, making it easy to move right in and start enjoying your new waterfront retreat. Summer weather is still going strong—there’s time left to make this lake season yours! Don’t miss your chance to own a little piece of heaven on Lake Ontario!

24407 Hayes Bay Road, Lyme
13081 State Route 12e, Lyme
$249,000
2 Beds ⋅ 1 Baths ⋅ S1707854 MLS
If you are looking for a hobby farm with a starter home near Lake Ontario, check this place out! This beautifully updated 2-bedroom 1 bath home offers room to roam for you and your animals. All you need to do is show up and fill the barns and chicken coop. Along with 15 acres the property offers a 30x50 barn with generous space. This quiet little piece of heaven sits off Rt 12E a short distance from Lake Ontario and downtown restaurants. This is a dream property for a hobby farmer starting out or someone just looking for a cozy home with some room to stretch and care for their pets. Don't sit on this place.

13081 State Route 12e, Lyme
26959 Three Mile Point Road, Lyme
$310,000
2 Beds ⋅ 1 Baths ⋅ S1709650 MLS
Your affordable waterfront getaway awaits on beautiful Chaumont Bay! This adorable and well maintained 2 bedroom, 1 bath ranch style cottage offers approximately 70 feet of waterfront and a fantastic level lot with easy access to the water. Spend your summers swimming, boating, fishing, kayaking, paddleboarding, or simply relaxing and taking in the views. Currently enjoyed as a three season cottage, the property may offer potential for year round use with the addition of a shore well and possible insulation upgrades. Recent improvements include a new metal roof approximately two years ago and newer replacement windows, helping make this an easy, low maintenance retreat. As an added convenience, most furnishings will stay with the property, excluding the sellers' personal items, making it even easier to start enjoying lake life right away. If you have been dreaming of owning a place directly on the water without the upkeep of a larger property, this is a wonderful opportunity to enjoy everything Chaumont Bay and Lake Ontario have to offer. Pack your bags, bring the boat, and start making summer memories at the lake!

26959 Three Mile Point Road, Lyme
26581 County Route 6, Lyme
$189,000
3 Beds ⋅ 2 Baths ⋅ S1709165 MLS
Discover the charm and potential of this 1850 farmhouse, nestled on 1.3 acres and offering the perfect opportunity for a hobby farm or country lifestyle. Thoughtfully renovated and improved, this 3-bedroom home combines historic character with comfortable modern living. The first floor features a beautiful country kitchen, bedroom with a very spacious walk-in closet, along with a convenient half bath and laundry. Upstairs, you will find two additional bedrooms, including a spacious primary bedroom, as well as a full bath. An attached 1.5-car garage provides plenty of room for parking and storage. Outside, the property offers a small storage shed and a 12 x 20 barn complete with two stalls, making it ideal for a horse, donkey, or other small livestock. With 1.03 acres to enjoy, this property offers room to garden, raise animals, or simply embrace the peaceful country setting. A wonderful opportunity to own a piece of farmhouse history with the space and improvements to make it your own!

26581 County Route 6, Lyme
20432 S Shore Road, Lyme
$285,000
4 Beds ⋅ 2 Baths ⋅ S1703677 MLS
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.

20432 S Shore Road, Lyme
3596 Flanders Road, Lyme
$299,900
3 Beds ⋅ 1 Baths ⋅ S1703803 MLS
Escape to the shores of Lake Ontario with this charming waterfront cottage, offering nearly 100' of shoreline and beautiful lake views. Spend your days enjoying the outdoors, whether it's sitting by the water, soaking in the views or making memories along the shoreline. The bright, open living room features expansive windows that fill the home with natural light. The open kitchen flows into the main living space, making it perfect for relaxing or entertaining. Enjoy your morning coffee or unwind in the spacious wraparound enclosed porch. This property features a newly installed in-ground freshwater holding tank as well as a lake well, and is being sold fully furnished, making it a true turnkey getaway. An additional lot located directly across the road, complete with a storage shed, is also included. Many of the items inside of the shed will remain with the property. Whether you're looking for a seasonal retreat or a place to make lasting memories on the lake, this property is ready to welcome you!

3596 Flanders Road, Lyme
24897/899 County Route 57, Lyme
$225,000
6 Beds ⋅ 3 Baths ⋅ S1700851 MLS
Escape to the countryside on Point Peninsula and build the life you've always imagined. Minutes of way from Lake Ontario and the Thousand Islands, come view this impressive 6-bedroom, 2.5-bath farmhouse offers over 3,200 square feet of living space and sits on a stunning 12.59 acre lot. This 3-story home is designed for those who think big. The first floor provides a customizable space with a large living room offering a wood fireplace, bedroom and 1/2 bath, while the second floor offers 3 bedrooms and 2 full baths. The second floor also offers a completely renovated cozy studio apartment with access to the full third floor and its own separate entrance. Brand new boiler! With so much work already started, this home is ready for you to take it to the finish line. Price to sell, don't miss this opportunity!

24897/899 County Route 57, Lyme
21585 S Shore Road, Lyme
$325,000
5 Beds ⋅ 1 Baths ⋅ S1692809 MLS
Historic Farmhouse & Massive Barn on 26+ Acres directly boardering NYS Wildlife Manaement. This is a HUNTRERS DREAM DESTINATION! This expansive property is anchored by a solid 5-bedroom farmhouse featuring a large kitchen, walk-in pantry, and a main-floor laundry. The star of the property is the impressive 100x30 barn in excellent condition, protected by a newer metal roof and ready for livestock, equipment, or a home business. With two additional outbuildings and highly-rated well water, this property is set up for success. Located just a stone’s throw from Lake Ontario, you get the best of country living and lakeside recreation. Don't miss this incredible opportunity!

21585 S Shore Road, Lyme
Start Your Search