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20627 Hess Shore Dr, Sackets Harbor, NY, 13685

1beds
1baths
768sqft
$275,000
$358price/sqft
$2,045/moest. monthly cost
$81,800/yrincome needed

About This Home

Opportunity awaits! This charming cottage overlooks the Black River Bay of Lake Ontario and offers beautiful sunset views! This property features one of the deeper, more spacious lots on the road that leads down to your own 75' of waterfront on a beautifully constructed seawall. Steps lead into the water where you'll find flat, shelf-like rocks, perfect for swimming. The cottage features an open layout with a combined kitchen and living area that lead into a sunroom with a gorgeous view of the lake. The sunroom and bedroom both lead onto a back deck where you're sure to enjoy your morning coffee or afternoon barbeques. This property also has municipal water connected for a great convenience. No flood insurance is required as the property has an elevation certificate. Located less than 10 minutes to historic downtown Sackets Harbor - this one won't last long so schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1964

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Bedroom on Main Level
  • Flooring: Carpet,Laminate,Varies

Heating

  • Heating features: Propane,Stove

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Property

Details

  • Parcel number: 2238890810130001002000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Deck,Propane Tank - Owned
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Black River Bay
  • Frontage length: 75

Lot

  • Lot size: 10,123 sqft
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 75 x 135

Parking

  • Parking features: No Garage,No Driveway

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
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
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 $1,390$16,680
Home Insurance *$107$1,284
Property Taxes $302$3,624
Electricity $246$2,954
Total$2,045$24,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,114/yr
40% on housing$61,350/yr
45% on housing$54,533/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

$358This listing

vs Other Active Listings

Avg $/sqft

ZIP 13685$143
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13685$170
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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$275,000
2026-08-01Price change$275,000
2026-07-03Listed for sale$289,900
2020-06-25Sold$169,900
2020-05-11Pending sale$174,900
2020-05-08Listed for sale$174,900
2006-07-11Sold$140,000

For Sale by Agent

AgentMichael Virkler
BrokerageHomes Realty of Northern New York

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