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125 N Hamilton St, Watertown, NY, 13601

4beds
2baths
1,792sqft
$249,900
$139price/sqft
$1,963/moest. monthly cost
$78,520/yrincome needed

About This Home

Investor Alert! Turnkey Duplex with Immediate Cash Flow in Watertown! Completely renovated just last year, this turnkey duplex offers modern finishes, strong rental income, and low-maintenance ownership. Both units feature fresh, stylish updates including stunning white cabinetry, stainless steel appliances, updated flooring with a modern finish, and convenient in-unit laundry hookups. Designed with clean, contemporary finishes and spacious layouts, this property is ideal for investors or future owner-occupants alike. Currently fully rented, the duplex generates $2,400 per month in rental income, providing immediate cash flow from day one. Conveniently located in the City of Watertown, you'll be just minutes from shopping, restaurants, Thompson Park, schools, and Fort Drum, making this an attractive location for tenants and ensuring continued rental demand. Whether you're looking to expand your investment portfolio or purchase a move-in-ready income property, this fully renovated duplex is an opportunity you won't want to miss. Don't wait—properties like this don't come along often! Schedule your private showing today and start investing in your future!

Getting Around

70
WalkingVery Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

1/10
Ohio Street SchoolGrades K-40.6 mi
4/10
Case Middle SchoolGrades 7-81.2 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Tile,Varies,Vinyl

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Property

Details

  • Parcel number: 22180000600000091230000000
  • Special condition: Standard

Lot

  • Lot size: 0.29 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 63 x 198

Parking

  • Total spaces: 2
  • Parking features: Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
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 $1,263$15,156
Home Insurance *$130$1,560
Property Taxes $274$3,288
Electricity $296$3,553
Total$1,963$23,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,302/yr
40% on housing$58,890/yr
45% on housing$52,346/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

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 13601$114
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13601$138
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)

Price History

DateEventPrice
2026-08-14Listing removed$1,200
2026-08-12Price change$1,200
2026-08-07Price change$1,150
2026-07-31Price change$1,200
2026-07-27Listed for rent$1,250
2026-06-13Listed for sale$249,900
2025-10-16Sold$194,250
2025-07-17Sold$194,250
2025-04-30Contingent$194,000
2025-04-30Listed for sale$194,000
2023-12-19Listing removed--
2023-12-18Listing removed$149,900
2023-12-15Listed for rent$725
2023-12-15Listing removed--
2023-11-11Listed for rent$899
2023-10-02Listed for sale$149,900
2020-08-24Sold$125,000
2020-06-20Pending sale$139,900
2020-05-30Listing removed$850
2020-05-30Listed for sale$139,900
2020-05-18Listed for rent$850
2019-05-16Listing removed$800
2019-04-09Listing removed$104,900
2019-04-09Listed for rent$800
2018-11-12Price change$104,900
2018-06-22Listed for sale$114,900
2012-05-15Sold$96,000
1994-09-30Sold$64,000

For Sale by Agent

AgentTeresa Caprara
BrokerageNorth Star Real Estate & Property Management

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