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34777 Clayton Center Rd, Clayton, NY, 13624

3beds
2baths
1,400sqft
$200,000
$143price/sqft
$1,602/moest. monthly cost
$64,080/yrincome needed

About This Home

Do you need room for all your toys, cars, ATVs, snowmobiles, and dream of space to spread out, this nearly 4-acre property delivers. Or looking to generate extra income? Just renting the garage stalls alone was producing almost $1,000 a month! Tucked just 5 miles from the St. Lawrence River in the charming village of Clayton and 9 miles from Lake Ontario in Chaumont. This 3-bedroom, 1.5-bath home has been completely renovated inside and out, with thoughtful additions and a layout that flows beautifully, each bedroom has its own easy exit, ideal for rental potential. The opportunities here are endless. A massive 4-bay garage stores your gear or generates rental income, with potential living space above ready to become an in-law suite or rental unit. Enjoy the gazebo with electric and hot/cold water, plus a brand-new 2025 hot tub that stays! Two sheds and five additional outbuildings work as storage, workshops, a chicken coop, or dog kennel, and the 22x80 barn handles wood, equipment, livestock, or a future business venture. Schedule your private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
7/10
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1982

Materials

  • Foundation: Other,See Remarks,Slab
  • Construction materials: Cedar,Other

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Manufactured Home,Mobile Home
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Refrigerator,See Remarks,Water Heater
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Separate/Formal Living Room,Kitchen/Family Room Combo,Bedroom on Main Level,Workshop
  • Flooring: Carpet,Tile,Varies,Vinyl
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating

  • Heating features: Wood,Stove

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Property

Details

  • Parcel number: 2232890420000001016300
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Gravel Driveway,Hot Tub/Spa
  • Has spa: Yes

Lot

  • Lot size: 3.82 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 427 x 419

Parking

  • Total spaces: 4
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
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 $1,011$12,132
Home Insurance *$125$1,500
Property Taxes $220$2,640
Electricity $246$2,954
Total$1,602$19,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,925/yr
40% on housing$48,060/yr
45% on housing$42,720/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

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 13624$353
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13624$133
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
2026-08-07Price change$185,000
2026-06-15Price change$200,000
2026-06-03Listed for sale$225,000
1991-06-17Sold$4,000

For Sale by Agent

AgentBrittney Umstead
BrokerageRealty by the River, Inc.

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