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3816 County Route 6, Hammond, NY, 13646

3beds
2baths
1,280sqft
$269,999
$211price/sqft
$2,147/moest. monthly cost
$85,880/yrincome needed

About This Home

Year-round waterfront living on Black Lake! This fully furnished 3-bedroom, 2-bath home offers the perfect blend of comfort and convenience, complete with a Roll-A-Dock. Nestled among natural surroundings for added privacy, you’ll still enjoy beautiful lake views. Inside, a cozy wood-burning fireplace and like-new furnishings create a warm, inviting atmosphere. The open-concept kitchen features attractive cabinetry and includes all appliances. Whether you’re searching for a relaxing summer getaway or a full-time residence, this move-in ready property has it all—just bring your personal belongings. Schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Morristown Central SchoolGrades PK-124.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2012

Materials

  • Foundation: Other,See Remarks
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Mobile Home,Ranch
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Gas Oven,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Eat-in Kitchen,Kitchen Island,Sliding Glass Door(s),Bedroom on Main Level,Main Level Primary,Primary Suite
  • Door features: Sliding Doors
  • Flooring: Carpet,Laminate,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Propane,Forced Air

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Property

Details

  • Parcel number: 40600009803200010070000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Dirt Driveway,Deck,Dock,See Remarks
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Black Lake
  • Frontage length: 75

Lot

  • Lot size: 0.28 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 75 x 160

Parking

  • Parking features: No Garage

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in St. Lawrence County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Tornado
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,365$16,380
Home Insurance *$102$1,224
Property Taxes $434$5,208
Electricity $246$2,954
Total$2,147$25,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,611/yr
40% on housing$64,410/yr
45% on housing$57,253/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 13646$133
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13646$270
St. Lawrence County$99

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-03Listed for sale$269,999
2026-02-25Listing removed$280,000
2025-09-29Listed for sale$280,000

For Sale by Agent

AgentBrenda Perrigo
BrokerageCross Keys Real Estate LLC

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