220 Water St, Dexter, NY, 13634
About This Home
Seller has done most of the renovations for you on this one! Everything from the foundation, furnace, windows, roof, wiring, plumbing and more have been done in the last few years. The gorgeous wrap around porch with gas fireplace offers many possibilities and is just a great place to relax or entertain. Downstairs offers 1 bedroom with half bath, that is easily big enough to make it a full. Seller turned the pantry into a small 5th bedroom, but it could easily be turned back into a walk in pantry. With the right offer, seller would be willing to do the work! Upstairs offers 3 bedrooms, and a full bath. 1 bedroom upstairs has a wood burning stove and a little kitchenette area that seller is willing to remove if desired, as he installed for a small apartment when his plans were using property as a restaurant. Square footage does not include the nearly 500 sq ft porch area that could be made year round. The beautiful mature trees in the back offer plenty of shade for those hot summer days, and the large yard is great for play or entertaining! There plenty of paved parking area on this large village lot as well. Looking to enjoy Lake Ontario, the village boat launch is right across the street! Make an appt today and come see all this property has to offer!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1870
Materials
- Foundation: Stone
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Gas Water Heater,Refrigerator
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Country Kitchen,Bedroom on Main Level
- Flooring: Hardwood,Tile,Varies
- Number of fireplaces: 2
- Fireplace: Yes
Heating & Cooling
- Heating features: Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,028
- Total interior livable area: 2,028 sqft
Property
Details
- Parcel number: 2226030720740001021000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: Blacktop Driveway
Lot
- Lot size: 0.28 Acres
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 99 x 125
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
- Cold Wave
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Jefferson County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,339 | $16,068 |
| Home Insurance * | $83 | $996 |
| Property Taxes | $291 | $3,492 |
| Electricity | $335 | $4,021 |
| Total | $2,048 | $24,576 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Price change | $299,900 |
| 2026-04-12 | Listed for sale | $309,900 |
| 2025-11-25 | Listing removed | $329,000 |
| 2025-09-05 | Price change | $329,000 |
| 2025-08-12 | Listed for sale | $339,000 |
| 2012-04-05 | Sold | $16,000 |
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