18 Elm St, Jay, NY, 12941
About This Home
Tucked among the pines of Au Sable Acres, this fully furnished 3-bedroom, 1.5-bath Adirondack retreat offers the ideal blend of rustic character, modern updates, and year-round functionality. Whether you're searching for a turnkey short-term rental investment, vacation getaway, or comfortable full-time residence, this property is ready to enjoy from day one. The home showcases classic Adirondack design with soaring cathedral ceilings, exposed beams, warm wood interiors, and striking arched windows that bring natural light into the living space. A wood stove anchors the main living area, creating a cozy atmosphere after a day spent hiking, skiing, or exploring the Adirondacks. Recent improvements completed by the current owners include a new roof in 2024, solar panels installed on the garage roof, a beautifully renovated kitchen, and an updated bathroom/laundry area. The spacious loft suite with half bath provides added flexibility for guests, additional sleeping space, or a private retreat. Outside, the property is designed for relaxation and entertaining with a large screened-in porch, wraparound deck, and a peaceful backyard fire pit area surrounded by mature trees for privacy. The detached garage offers room for parking, storage, or workshop space, with additional loft storage above. Located just a short drive from Whiteface Mountain, Lake Placid, Wilmington, and countless hiking and recreation opportunities, this home delivers the Adirondack lifestyle buyers are looking for -- with the added convenience of being sold fully furnished.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1962
Materials
- Roof: Asphalt
- Construction materials: T1-11
Type & Style
- Home type: SingleFamily
- Architectural style: Adirondack,Chalet
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Free-Standing Refrigerator,Washer/Dryer
Bathroom
- Features: Vinyl
- Level: First
- Area: 54
- Dimensions: 9 x 6
Bathroom2
- Features: Laminate Counters
- Level: Second
- Area: 20
- Dimensions: 4 x 5
Bedroom2
- Features: Laminate Counters
- Level: First
- Area: 110
- Dimensions: 10 x 11
Bedroom3
- Features: Laminate Counters
- Level: First
- Area: 110
- Dimensions: 10 x 11
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Beamed Ceilings,Cathedral Ceiling(s)
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,300
Heating
- Heating features: Forced Air,Propane
Interior Area
- Total structure area: 1,300
- Total interior livable area: 1,300 sqft
Kitchen
- Features: Laminate Counters
- Level: First
- Area: 150
- Dimensions: 10 x 15
Living Room
- Features: Laminate Counters
- Level: First
- Area: 288
- Dimensions: 12 x 24
Master Bedroom
- Features: Carpet
- Level: Second
- Area: 224
- Dimensions: 14 x 16
Property
Details
- Parcel number: 17.3243.000
- Zoning: Residential
Features
- Patio & porch: Screened,Side Porch
- Exterior features: Fire Pit,Gas Grill,Lighting,Private Yard
Lot
- Lot size: 0.90 Acres
Parking
- Parking features: Garage
- Has garage: Yes
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
- Lightning
- Cold Wave
- Ice Storm
- Landslide
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Essex 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 | $1,815 | $21,780 |
| Home Insurance * | $145 | $1,740 |
| Property Taxes | $403 | $4,836 |
| Electricity | $246 | $2,954 |
| Total | $2,609 | $31,308 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-28 | Price change | $359,000 |
| 2026-05-17 | Listed for sale | $369,000 |
| 2023-01-06 | Sold | $230,000 |
| 2022-10-23 | Pending sale | $229,900 |
| 2022-10-12 | Listed for sale | $229,900 |
| 1996-09-03 | Sold | $55,000 |
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