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342 Joy Rd, Norfolk, NY, 13667

3beds
2baths
0sqft
$159,500
--price/sqft
$1,405/moest. monthly cost
$56,200/yrincome needed

About This Home

Country living feel with easy access to Potsdam, Massena, Brasher Falls, and the Canadian border. This 3-bedroom, 2-bath home features a desirable layout with a first-floor primary bedroom and en suite bath. Recent improvements within the last 3 years include a beautifully updated kitchen with quartz countertops, new appliances that are included, and bamboo flooring throughout the main home. Forced air heats the entire home, however there is a pellet stove in the living room for supplemental heat if you don't want to turn the heat on or the frigid winter nights. This home has a heated 2-car garage with enough space for lawnmower storage and workshop area. There is also a space off the garage for storing lawn furniture & equipment, 4 wheelers, snowmobile or anything you choose. There is a large driveway with space for plenty of vehicles. The spacious bonus room above the garage is where the 2nd & 3rd bedrooms are and offers endless possibilities as more bedrooms, a family room, great room, home office, or recreation space. Owner removed the carpet in this space, but the pad is still there and ready for your flooring style. Set on just under an acre, the property offers scenic views to the rear and close proximity to the State Forest for year-round outdoor enjoyment. A breezeway/mudroom adds practical storage space and connects to both the garage and a charming 3-season bar area that opens to the back patio - an ideal place to unwind and enjoy the setting.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

8/10
4/10
Norwood Norfolk SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace features: Pellet Stove
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,840

Property

Details

  • Parcel number: 23.084113

Features

  • Stories: 2

Lot

  • Lot size: 0.94 Acres
  • Lot size dimensions: 204 x 200

Parking

  • Total spaces: 2
  • Parking features: 3 or more parking spaces,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Ice Storm
Lightning

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 $806$9,672
Home Insurance *$97$1,164
Property Taxes $256$3,072
Electricity $246$2,954
Total$1,405$16,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,171/yr
40% on housing$42,150/yr
45% on housing$37,466/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 13667$79
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13667$116
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)

No zestimate history available

Price History

DateEventPrice
2026-08-02Price change$159,500
2026-06-23Listed for sale$169,500

For Sale by Agent

AgentCynthia Thomas
BrokerageLet's Move Realty LLC

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