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45989 Wade St, Alexandria Bay, NY, 13607

5beds
4baths
3,548sqft
$1,595,000
$450price/sqft
$11,044/moest. monthly cost
$441,760/yrincome needed

About This Home

Experience riverfront living at its finest in this 6-bedroom, 4.5-bath custom home, where timeless craftsmanship meets modern comfort. A chef-inspired custom kitchen features a gas stove, dual dishwashers, premium cabinetry, and generous prep space—perfect for effortless entertaining. The open floor plan flows seamlessly into a formal dining room and a warm, inviting living area anchored by a stunning stone fireplace. Rich hardwood floors, detailed custom moldings, and expansive windows elevate every room. French doors open to spacious decks and patios, offering serene views and abundant outdoor living space. This is the river home that brings luxury, comfort, and natural beauty together in one exceptional property. The home is framed by impeccably manicured grounds that unfold around a grand circular paved drive, creating an elegant sense of arrival. From the waterfront, sweeping vistas stretch across the main river channel, offering uninterrupted views of passing ships as they glide through the heart of the Thousand Islands. A protected deep-water dock provides dockage for your boats. Call now for details & showing.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Architectural,Shingle
  • Construction materials: Cedar,Copper Plumbing

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen,Separate/Formal Living Room,Kitchen/Family Room Combo,Living/Dining Room
  • Flooring: Carpet,Ceramic Tile,Hardwood,Tile,Varies

Heating

  • Heating features: Oil,Forced Air

Interior Area

  • Total structure area: 3,548
  • Total interior livable area: 3,548 sqft

Property

Details

  • Parcel number: 2222890070090001013200
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Open,Patio,Porch
  • Exterior features: Blacktop Driveway,Deck,Dock,Hot Tub/Spa,Patio,See Remarks
  • Has spa: Yes
  • On waterfront: Yes
  • Waterfront features: Beach Access,Dock Access,River Access,Stream
  • Waterbody name: Saint Lawrence Seaway
  • Frontage length: 79

Lot

  • Lot size: 0.94 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 79 x 144

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

How This Home’s Risks Compare

Winter Weather
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 $8,065$96,780
Home Insurance *$639$7,668
Property Taxes $1,754$21,048
Electricity $586$7,036
Total$11,044$132,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$378,651/yr
40% on housing$331,320/yr
45% on housing$294,506/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

$450This listing

vs Other Active Listings

Avg $/sqft

ZIP 13607$299
Jefferson County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 13607$237
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
2026-06-01Listed for sale$1,595,000
2023-01-01Listing removed--
2022-01-17Listed for sale$1,299,000
2021-06-11Listing removed--
2020-06-11Listed for sale$999,000
2009-07-05Listing removed$1,149,000
2009-02-14Price change$1,149,000
2009-01-24Listed for sale$1,149,900
2009-01-17Listing removed$1,149,900
2008-08-31Listed for sale$1,149,900
2001-09-26Sold$65,060

For Sale by Agent

AgentCathy F Garlock
BrokerageGarlock Realty

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