109 Water St, Unit 109

Milo, NY 14527

$465,000
Price
2
Beds
1,205 Sq. Ft.
$386 / Sq. Ft.
1,205
Sq. Ft.
$386
per Sq. Ft.

Description

Welcome to refined downtown living in the heart of the picturesque Finger Lakes! This exceptional, spacious condo offers a rare opportunity for a low-maintenance, sophisticated lifestyle. Ideal for those seeking a year-round residence or a luxurious "lock-and-leave" second home, this property delivers convenience and elegance. Step inside a light-filled open-concept floor plan designed for seamless entertaining and daily comfort. The chef's kitchen features custom cabinetry, granite countertops,...Welcome to refined downtown living in the heart of the picturesque Finger Lakes! This exceptional, spacious condo offers a rare opportunity for a low-maintenance, sophisticated lifestyle. Ideal for those seeking a year-round residence or a luxurious "lock-and-leave" second home, this property delivers convenience and elegance. Step inside a light-filled open-concept floor plan designed for seamless entertaining and daily comfort. The chef's kitchen features custom cabinetry, granite countertops, and top-tier stainless steel appliances. Gleaming hardwood floors flow throughout the main living areas, leading to a generous primary suite with a spa-like bathroom and ample walk-in closet space. Enjoy the best of Penn Yan with unparalleled walkability. Stroll to charming local boutiques, acclaimed restaurants, and the scenic beauty of Keuka Lake just moments from your door. This property is a private sanctuary amidst a vibrant small-town atmosphere. Key Features:
• Modern, high-end finishes and an open floor plan
• Gourmet kitchen with professional-grade appliances
• Walkability to downtown Penn Yan and lakefront attractions
• Low-maintenance "lock-and-leave" lifestyle
• Secure building access

Don't miss this rare opportunity to own a piece of the Finger Lakes lifestyle. Schedule your private tour of this exceptional property today!
  1. Listed by John J. Waugh • The Iversen Realty Group
    P: (585)-737-8711 C: (585)-737-8711 jwaugh@iversenconstr.com

Property Details for 109 Water Street, Unit 109

Subdivision Comm Complex
Water Street
On Waterfront
No
Parking Description
No Garage, Open, Other, See Remarks
Nearest Cross Street
Main St.
LISTING UPDATED: 11/25/2025 03:42 PM

Property Details for 109 Water Street, Unit 109

StatusActive
MLS #R1648493
Days on Market47
Taxes$3,409 / year
HOA Fees$474 / month
Condo/Co-op Fees-
Compass TypeCondo
MLS TypeResidential / Condominium
Year Built2025
CountyYates County

Location

Listing Courtesy of The Iversen Realty Group
Add your commute

Building Information for 109 Water Street, Unit 109

Building/ComplexIversenFloor1Stories-Residences-Pet PolicyAllowedPet Policy DetailsYesYear Built2025

Payment Calculator

$3,024 per month

30 year fixed, 6.15% Interest

Principal and Interest

$2,266

Property Taxes

$284

HOA Dues

$474

The Payment Calculator is for illustrative purposes only.

Property Information for 109 Water Street, Unit 109

Summary
Location and General Information
  • Accessibility: Accessible Bedroom, Low Threshold Shower, No Stairs, Accessible Approach With Ramp, Accessible Doors, Accessible Entrance
  • Elementary School Name: Penn Yan Elementary
  • Elementary School District: Penn Yan
  • High School Name: Penn Yan Academy
  • High School District: Penn Yan
  • Middle School Name: Penn Yan Middle
  • Middle Or Junior School District: Penn Yan
  • Village: Penn Yan-Village
  • Unit Location: 2nd Floor,End
  • Human YN: Yes
Parking
  • Garage Spaces per Apt: .00
  • Garage YN: No
  • Open Parking YN: Yes
Taxes and HOA Information
  • Association Fee: $474.00
  • Association Fee Frequency: Monthly
  • Association Fee Includes: Common Area Maintenance, Insurance, Reserve Fund, Snow Removal, Trash
  • Association Name: Iversen
  • Management Company Phone: 585-737-8711
  • Area NYSWIS Code: Penn Yan Village-Milo-573001
  • Tax Annual Amount: $3,409.00
Property
Lot Information
  • Building Area Total: 1205.0
  • Land Features: Near Public Transit, Rectangular, Rectangular Lot, Residential Lot
  • Lot Size Units: Acres
  • Parcel Number: 573001-049-075-0001-040-001-000
  • Road Frontage: City Street
Property and Assessments
  • Property Condition: Resale
  • Senior Community YN: No
  • Assessed Value: $123,052
  • Year Built: 2025
  • Year Built Description: Existing
  • Property Sub Type Additional: Condominium, Townhouse
Utilities
  • Electric Service: Circuit Breakers
  • ENERGYSTAR: Appliances, Hvac, Windows, Energy Recovery Ventilator
  • Green Indoor Air Quality: Ventilation
  • Sewer Description: Connected
  • Utilities Available: Cable Available, Electricity Connected, High Speed Internet Available, Sewer Connected, Water Connected
  • Water Supply: Connected, Public
Interior and Exterior Features
Exterior Features
  • Community Features: Trails Paths
  • Construction Materials: Attic Crawl Hatchways Insulated, Composite Siding, Foam Insulation, Other, Shake Siding, Vinyl Siding, Pex Plumbing
  • Foundation Description: Slab
Interior Features
  • Appliances: Dryer, Dishwasher, Exhaust Fan, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Range Hood, Tankless Water Heater, Washer
  • Basement Description: None
  • Basement YN: No
  • Num Of Possible Bedrooms: 2
  • HVAC Type: Ductless, Heat Pump, Zoned, Central Air
  • Cooling YN: Yes
  • Door Features: Sliding Doors
  • Num Fireplaces Total Calculated: 0
  • Fireplace YN: No
  • Floor Description: Carpet, Ceramic Tile, Hardwood, Resilient, Varies
  • Heating: Ductless, Heat Pump, Zoned, Electric, Forced Air
  • Heating YN: Yes
  • Interior Features: Ceiling Fans, Kitchen Family Room Combo, Living Dining Room, Pantry, Quartz Counters, Sliding Glass Doors, Storage, Bedroom On Main Level, Bath In Primary Bedroom
  • Sq Ft Total: 1205.0
  • Main Level Bathrooms: 0
  • Num Bedrooms 1 St Floor: 0
  • Num Of Rooms: 6
  • Window Features: Thermal Windows
Multi Family
Multi-Family Information
  • Number Of Units Total: 0
Rental
Rental Information
  • Pets Allowed: Yes

Property History for 109 Water Street, Unit 109

DateEvent & SourcePriceAppreciation
Nov 20, 2025

Listed (Active)

WNYREIS #R1648493

$465,000—
DateEvent & SourcePrice
11/20/2025

Listed (Active)

WNYREIS #R1648493

$465,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Schools near 109 Water Street, Unit 109

This home is within Penn Yan Central School District.
Rating
School
Type
Grades
Distance
Penn Yan Elementary School
Public - PK to 5
Penn Yan Middle School
Public - 6 to 8
Penn Yan Academy
Public - 9 to 12
St Michaels Elementary School
Private - PK to 5
Rating
School
Distance
Penn Yan Elementary School
PublicPK to 5

Penn Yan Middle School
Public6 to 8

Penn Yan Academy
Public9 to 12

St Michaels Elementary School
PrivatePK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 109 Water Street, Unit 109, Milo, NY 14527

109 Water Street, Unit 109 is a condo for sale in Milo, NY 14527. This property was listed for sale on November 20, 2025 by The Iversen Realty Group, it's currently listed at $465,000. This listing's school district is Penn Yan Central School District. Nearby schools include Penn Yan Elementary School, Penn Yan Middle School and Penn Yan Academy. 109 Water Street, Unit 109 is a 2-bed, 2-bath, 1,205 sqft condo built in 2025.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of The Iversen Realty Group

Based on information from one of the following Multiple Listing Services: WNYREIS and Greater Binghamton Association of REALTORS. Information being provided is for the visitor's personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by WNYREIS and Greater Binghamton Association of REALTORS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.