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0 Bishop Rd, Heuvelton, NY, 13654

3beds
1baths
1,300sqft
$400,000
$308price/sqft
$3,386/moest. monthly cost
$135,440/yrincome needed

About This Home

OFF-GRID WATERFRONT PARADISE ON BLACK LAKE. Step off the boat and onto what feels like your very own private island on Black Lake—a rare opportunity to own a secluded waterfront escape in one of the Northeast’s most sought-after outdoor destinations. This one-of-a-kind property offers the perfect blend of privacy, natural beauty, and recreation. Surrounded by pristine water and untouched shoreline, it’s a true sportsman’s paradise with exceptional fishing, abundant wildlife, and endless opportunities to relax and recharge. Built in 2006, this 3 bedroom cottage sits on 3 acres with 1087' of waterfront on Wolfe Point. With knotty pine throughout this very well built cottage also has a great room with woodstove, solar power, generator, water system, multiple decks and a storage building. Being sold with .7 acre water front lot (98.056-2-3) that serves as the base camp with parking and dock. Enjoy the simplicity of off-grid living without sacrificing comfort. Whether you're casting a line at sunrise, watching wildlife from the deck, or unwinding by the fire after a day outdoors, this property delivers an unmatched experience. Accessible only by boat, the setting ensures complete peace and seclusion—yet remains part of the renowned Black Lake region, known for its outstanding fishing and scenic beauty. If you’ve been searching for a private, off-grid getaway where you can truly disconnect and enjoy nature, this is it.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Morristown Central SchoolGrades PK-125.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: See Remarks,Tankless Water Heater

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Separate/Formal Living Room,Country Kitchen,Living/Dining Room,Bedroom on Main Level
  • Flooring: Hardwood,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Wood

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Property

Details

  • Parcel number: 40540009800200060010000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Open,Porch,Screened
  • Exterior features: Deck,Dock,Porch,See Remarks,Propane Tank - Owned
  • On waterfront: Yes
  • Waterfront features: Beach Access,Lake
  • Waterbody name: Black Lake
  • Frontage length: 1670

Lot

  • Lot size: 3 Acres
  • Features: Rectangular,Rectangular Lot,Secluded,See Remarks,Wooded
  • Lot size dimensions: 1087 x 1

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 $2,022$24,264
Home Insurance *$475$5,700
Property Taxes $643$7,716
Electricity $246$2,954
Total$3,386$40,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,091/yr
40% on housing$101,580/yr
45% on housing$90,293/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

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 13654$163
St. Lawrence County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 13654$71
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
2026-05-14Listed for sale$400,000
2025-10-28Listing removed--
2025-07-24Listed for sale$395,000
2021-08-30Sold$120,000
2021-06-23Contingent$110,000
2021-06-07Listed for sale$110,000

For Sale by Agent

AgentJennifer Brown
BrokerageLake Homes Realty LLC

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