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35 School St, Saranac Lake, NY, 12983

3beds
1baths
1,024sqft
$279,000
$272price/sqft
$2,271/moest. monthly cost
$90,840/yrincome needed

About This Home

Affordable Village Living in the Heart of Saranac Lake. Move right into this charming and affordable 3-bedroom, 1-bath home located in the Village of Saranac Lake. This turnkey property offers the convenience of village living with shops, restaurants, parks, schools, and local amenities all within walking distance. Extensive recent improvements make this home truly move-in ready, including new landscaping and hardscaping, an installed French drain, crusher-run driveway, fresh topsoil and grass seed, tree removal, a new sewer line from the house, crawl space insulation, and a welcoming new front staircase with built-in planters. Inside, you'll find a thoughtfully updated interior featuring fresh paint, a modern, clean feel, a cozy pellet stove, pantry, and practical mudroom. The comfortable layout offers functional living spaces with plenty of character. A detached storage shed with electricity provides additional space for hobbies, a workshop, or extra storage. Whether you're searching for your first home, a low-maintenance Adirondack property, or an affordable village residence, this well-maintained Saranac Lake home is a wonderful opportunity to enjoy all that the Adirondacks have to offer. Home is being sold partially furnished.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
7/10
6/10

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Gas Range,Microwave,Washer/Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Exterior Entry,Walk-Up Access

Bedroom1

  • Level: First
  • Area: 121
  • Dimensions: 11 x 11

Bedroom2

  • Level: First
  • Area: 121
  • Dimensions: 11 x 11

Bedroom3

  • Level: First
  • Area: 120
  • Dimensions: 10 x 12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Level: First
  • Area: 145
  • Dimensions: 14.5 x 10

Features

  • Flooring: Luxury Vinyl,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,024

Heating & Cooling

  • Heating features: Oil,Pellet Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,024
  • Total interior livable area: 1,024 sqft

Kitchen

  • Level: First
  • Area: 120
  • Dimensions: 15 x 8

Living Room

  • Level: First
  • Area: 300
  • Dimensions: 20 x 15

Property

Details

  • Parcel number: 446.7643

Features

  • Levels: One
  • Patio & porch: Deck
  • Fencing: Fenced,Front Yard

Lot

  • Lot size: 0.32 Acres
  • Features: Front Yard

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
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
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 $1,410$16,920
Home Insurance *$278$3,336
Property Taxes $337$4,044
Electricity $246$2,954
Total$2,271$27,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,862/yr
40% on housing$68,130/yr
45% on housing$60,560/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

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 12983$285
Franklin County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 12983
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
2026-08-14Pending sale$279,000
2026-07-24Listed for sale$279,000
2026-06-18Pending sale$279,000
2026-06-04Listed for sale$279,000
2022-09-23Sold$229,000
2022-08-10Pending sale$229,000
2022-08-09Price change$229,000
2022-06-24Pending sale$249,000
2022-06-12Listed for sale$249,000
2022-05-23Pending sale$249,000
2022-05-19Price change$249,000
2022-05-09Listed for sale$289,000
2020-09-03Sold$197,100
2020-08-01Pending sale$191,100
2020-06-26Listed for sale$191,100
2019-08-15Sold$175,000
2019-06-14Pending sale$179,000
2019-05-29Listed for sale$179,000
2011-11-10Sold$138,000
2010-12-11Listed for sale$149,000
2008-10-23Sold$135,000

For Sale by Agent

AgentDebra Lennon
BrokerageEngel & Volkers Lake Placid Real Estate

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