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21979 Club Rd, Wellesley Island, NY, 13640

10beds
10baths
8,555sqft
$1,295,000
$151price/sqft
$9,909/moest. monthly cost
$396,360/yrincome needed

About This Home

The serene crown jewel Historic Hart house located on Wellesley Island that is currently used as a bed & breakfast. The property features 10 guest rooms with private baths, fireplaces, a family suite, completely remolded family room with wood beam ceilings and moldings, commercial kitchen and beautiful dining area that seats 60 overlooking the golf course. This property is ideal for weddings, receptions or ideal for summer retreats. Owners have taken great care & pride in bringing back the Hart House. This property is located with views of the river and the Thousand Island Golf course and has plenty of marinas within walking distance for your boats. Call now for private showing.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Wood Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 10
  • Bathrooms: 10
  • Full bathrooms: 7
  • 1/2 bathrooms: 3
  • Main level bathrooms: 5
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Den,Separate/Formal Dining Room,Home Office,Storage,Main Level Primary,Primary Suite
  • Flooring: Carpet,Ceramic Tile,Hardwood,Varies
  • Number of fireplaces: 4
  • Fireplace: Yes

Heating

  • Heating features: Oil,Forced Air

Interior Area

  • Total structure area: 8,555
  • Total interior livable area: 8,555 sqft

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: 2222890060080001006700
  • Special condition: Standard

Features

  • Stories: 3
  • Patio & porch: Enclosed,Open,Porch
  • Exterior features: Gravel Driveway,Private Yard,See Remarks,Propane Tank - Leased

Lot

  • Lot size: 2.29 Acres
  • Features: On Golf Course,Rectangular,Rectangular Lot
  • Lot size dimensions: 1 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

  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Jefferson County and New York

Flood
Hurricane
Severe Storm
Snowstorm
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 $6,548$78,576
Home Insurance *$524$6,288
Property Taxes $1,424$17,088
Electricity $1,413$16,965
Total$9,909$118,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$339,737/yr
40% on housing$297,270/yr
45% on housing$264,240/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 13640$358
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13640$437
Jefferson County$126

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
2025-04-21Price change$1,295,000
2024-10-22Listed for sale$1,395,000
2024-09-30Listing removed$1,595,000
2024-09-20Listed for sale$1,595,000
2024-09-04Listing removed$1,595,000
2024-08-01Price change$1,595,000
2024-06-03Listed for sale$1,850,000
2020-08-12Sold$400,000
2020-05-13Pending sale$499,000
2019-08-19Listed for sale$499,000
2017-04-21Listing removed$895,000
2016-08-30Listed for sale$895,000
2014-07-24Listing removed$1,490,000
2014-06-06Listed for sale$1,490,000
2010-01-02Listing removed$925,000
2009-11-21Price change$925,000
2009-10-30Listed for sale$950,000

For Sale by Agent

AgentCathy F Garlock
BrokerageGarlock Realty

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