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105 Market St, Potsdam, NY, 13676

4beds
4baths
0sqft
$299,000
--price/sqft
$2,409/moest. monthly cost
$96,360/yrincome needed

About This Home

One of a kind housing in Potsdam - this conveniently-located home underwent a complete and major renovation 2-3 years ago, creating a bright and sunny rental building with 4 private suites (bedroom, sitting area with wall-mount tv,, and ensuite full bath), plus shared kitchen, gathering space and laundry. Perfect for locums and graduate students. The entire building was gutted and redesigned, giving the house an effective year built of 2021. Gas heating, on-demand hot water and excellent finishes throughout, plus plenty of parking. Close to hospital, shopping, downtown and universities. If you are seeking an investment opportunity that is fresh and like new, this is the one!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
65
BikeBikeable

Schools

6/10
5/10

Construction

Condition

  • Property condition: Older home (75+ yrs),Updated/Remodeled,Sold as is
  • Year built: 1900

Materials

  • Foundation: Cellar
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Appliances included: Water Heater(On Demand)
  • Laundry features: Common Area

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Interior Area

  • Total structure area: 2,144

Property

Details

  • Parcel number: 64.050319

Features

  • Levels: Multi-Level,Two story
  • Stories: 2
  • Patio & porch: Covered porch

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 83 x 149

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Earthquake
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 $1,511$18,132
Home Insurance *$172$2,064
Property Taxes $480$5,760
Electricity $246$2,954
Total$2,409$28,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,594/yr
40% on housing$72,270/yr
45% on housing$64,240/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 13676$134
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13676$114
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
2025-09-18Price change$299,000
2024-10-22Listed for sale$315,000
2019-08-15Listing removed$28,800
2019-07-29Price change$28,800
2019-07-02Price change$33,800
2019-05-28Price change$38,800
2019-04-29Price change$43,800
2019-03-28Price change$48,800
2019-02-26Price change$53,800
2019-01-25Price change$58,800
2018-12-27Listed for sale$63,800

For Sale by Agent

AgentNikki Coates
BrokerageNikki Coates & Associates LLC

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