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131 Scio St, Watertown, NY, 13601

3beds
1baths
1,163sqft
$174,500
$150price/sqft
$1,410/moest. monthly cost
$56,400/yrincome needed

About This Home

Completely renovated and move-in ready! This beautifully updated 3 bedroom home offers modern finishes while maintaining classic character throughout. The spacious kitchen features new gray shaker cabinetry, updated countertops, stainless steel appliances, subway tile backsplash, and an open layout with abundant natural light. Large living spaces showcase updated flooring, fresh neutral paint, and detailed trim work creating a clean, modern feel. Double lot bringing the total being sold to 8800 sqf for future possibilities. The renovated bathroom features stylish tile work, updated vanity, and contemporary fixtures. Upstairs offers freshly updated bedrooms with new carpeting and neutral finishes. Additional highlights include newer windows, updated lighting, metal roof, enclosed porch/sunroom, and a large yard with plenty of off-street parking. Conveniently located close to schools, shopping, parks, and downtown amenities, this property offers affordable move-in-ready living with extensive recent updates already completed.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

5/10
Sherman SchoolGrades K-41.0 mi
4/10
Case Middle SchoolGrades 7-81.3 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Cooktop,Microwave,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Other,See Remarks,Bedroom on Main Level
  • Flooring: Carpet,Ceramic Tile,Laminate,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,163
  • Total interior livable area: 1,163 sqft

Property

Details

  • Parcel number: 22180000700000112040000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 8,712 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 80 x 110

Parking

  • Parking features: No Garage

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
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
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 $882$10,584
Home Insurance *$91$1,092
Property Taxes $191$2,292
Electricity $246$2,954
Total$1,410$16,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,342/yr
40% on housing$42,300/yr
45% on housing$37,600/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

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 13601$115
Jefferson County$173

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
2026-07-31Price change$174,500
2026-06-22Price change$184,500
2026-06-15Price change$192,900
2026-05-16Listed for sale$199,900
2017-02-15Listing removed$72,900
2016-08-15Listed for sale$72,900
2016-06-22Listing removed$79,900
2016-04-01Listed for sale$79,900
2016-02-08Listing removed$78,900
2015-11-09Listed for sale$78,900
2014-05-08Listing removed$79,900
2014-03-12Listed for sale$79,900
2014-01-29Listing removed$79,900
2013-08-28Listed for sale$79,900
2005-10-26Sold$45,000
1994-11-18Sold$24,900

For Sale by Agent

AgentLara Wines
BrokerageNorth Star Real Estate & Property Management

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