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4 Chaney Ave, Tupper Lake, NY, 12986

2beds
2baths
900sqft
$80,000
$89price/sqft
$785/moest. monthly cost
$31,400/yrincome needed

About This Home

Opportunity is knocking in the Village of Tupper Lake! This 2 bedrooms, 1.5 bath home is ready for its next chapter and offers the kind of solid foundation that's getting harder to find, great bones, a functional layout, and endless potential to make it your own. Inside, you'll find generous living spaces, a practical floor plan, and plenty of natural light just waiting to be brought back to life with your personal vision. Whether you're looking to renovate and create your dream home, invest in a property with upside, or take on your next project, this home delivers the space and structure to make it happen. Situated in a convenient village location close to local amenities, outdoor recreation, and everything the Adirondacks are known for, this is your chance to build equity while creating something truly special. If you've been searching for a home with character, potential, and room to grow, this could be the one. This home will only be able to sold as a cash sale, or a construction loan. Being sold as is!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

3/10
4/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1920

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Asphalt,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Old Style
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Free-Standing Electric Oven,Free-Standing Electric Range,Free-Standing Refrigerator
  • Laundry features: Other

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Door features: Storm Door(s)
  • Window features: Vinyl Clad Windows,Wood Frames
  • Flooring: Hardwood,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 900

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 900 sqft

Kitchen

  • Level: First
  • Area: 70
  • Dimensions: 7 x 10

Property

Details

  • Parcel number: 490.59814
  • Zoning: Residential
  • Other equipment: None

Features

  • Levels: Two
  • Patio & porch: Front Porch
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 2,613 sqft
  • Features: City Lot
  • Lot size dimensions: 33.00x83.00

Parking

  • Total spaces: 1.5
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5

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

  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Winter Weather

FEMA Declared Disasters in Franklin County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $404$4,848
Home Insurance *$39$468
Property Taxes $96$1,152
Electricity $246$2,954
Total$785$9,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,914/yr
40% on housing$23,550/yr
45% on housing$20,933/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: 4.3%
4.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 12986$267
Franklin County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 12986$167
Franklin County$117

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
2026-03-27Price change$80,000
2026-03-04Listed for sale$95,000
1995-10-31Sold$20,000

For Sale by Agent

AgentMonica Smith
BrokerageLB House To Home Realty

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