10 Spruce St, Champlain, NY, 12919
About This Home
Welcome to 10 Spruce Street, a quiet home in the Village of Champlain offering comfort, convenience, and a peaceful setting. The main level features a spacious living room along with a cozy den highlighted by a gas fireplace--perfect for relaxing or entertaining. A dedicated laundry area adds everyday functionality. Upstairs, you'll find two generously sized bedrooms with ample space and natural light. This home is serviced by natural gas, public water, and public sewer, providing efficient and low-maintenance living. Situated on a quiet, low-traffic street, the property offers a sense of privacy while still being just minutes from the U.S./Canada border for easy commuting. Lovingly cared for by a longtime owner, this home is ready for its next chapter.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1890
Materials
- Foundation: Stone
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Architectural style: Old Style
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Cooktop,Gas Water Heater,Range Hood
- Laundry features: Electric Dryer Hookup,Inside,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Dirt Floor,Partial,Unfinished
Bathroom
- Level: First
- Area: 77
- Dimensions: 11 x 7
Bedroom1
- Level: First
- Area: 110
- Dimensions: 11 x 10
Bedroom2
- Level: Second
- Area: 180
- Dimensions: 18 x 10
Bedroom3
- Level: Second
- Area: 154
- Dimensions: 14 x 11
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Family Room
- Level: First
- Area: 220
- Dimensions: 20 x 11
Features
- Ceiling Fan(s)
- Window features: Double Pane Windows
- Flooring: Tile,Vinyl
- Number of fireplaces: 1
- Fireplace features: Family Room,Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,170
Heating & Cooling
- Heating features: Baseboard,Electric,Hot Water,Natural Gas
- Cooling features: None
Interior Area
- Total structure area: 1,170
- Total interior livable area: 1,170 sqft
Kitchen
- Level: First
- Area: 192
- Dimensions: 16 x 12
Laundry
- Level: First
- Area: 120
- Dimensions: 12 x 10
Living Room
- Level: First
- Area: 288
- Dimensions: 24 x 12
Property
Details
- Parcel number: 18.20520
- Zoning: Residential
- Other equipment: None
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Covered,Front Porch
- Fencing: None
- Has view: Yes
- View description: Neighborhood
- Topography of land: Level
Lot
- Lot size: 0.50 Acres
- Features: Cleared,Level
- Lot size dimensions: 85.5 x 262.8
Parking
- Parking features: Driveway,Paved
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
- Inland Flooding
- Ice Storm
- Winter Weather
- Earthquake
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Clinton County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $758 | $9,096 |
| Home Insurance * | $61 | $732 |
| Property Taxes | $223 | $2,676 |
| Electricity | $246 | $2,954 |
| Total | $1,288 | $15,456 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-07 | Price change | $175,000 |
| 2026-04-08 | Listed for sale | $190,000 |
| 2003-11-04 | Sold | $68,000 |
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