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416 S James St, Carthage, NY, 13619

6beds
4baths
2,402sqft
$214,900
$89price/sqft
$1,843/moest. monthly cost
$73,720/yrincome needed

About This Home

Opportunities like this don’t come along very often in the Village of Carthage! Located on one of the Village’s most desirable streets, this well-maintained duplex offers an exceptional opportunity for both owner-occupants and investors alike. Each spacious apartment features 3 bedrooms and 1.5 bathrooms with a functional two-story layout. The first floor includes a large kitchen with new luxury vinyl plank flooring, a formal dining room, comfortable living room, half bath, and entry closet. Upstairs, you’ll find three generously sized bedrooms and a full bathroom. The occupied unit features a beautifully renovated full bathroom completed approximately two years ago, while the vacant unit has been freshly painted and includes a brand-new bathroom vanity, making it move-in ready. Original hardwood floors and beautiful woodwork throughout both apartments provide timeless charm and character. Each apartment also offers both a welcoming front porch and a private back porch, providing additional outdoor living space. Outside, the property features a blacktop driveway, carriage house-style garage, and a spacious yard. The basement offers a shared laundry area, separate storage areas for each apartment, hot water boiler furnaces, and separate electric hot water tanks. Each unit has separate natural gas and electric utilities, with the owner responsible for water. Both apartments have consistently rented for $1,200 per month, with one unit currently occupied at that rental rate, providing immediate income while the vacant unit offers the flexibility for owner occupancy or an additional tenant. Conveniently located less than 20 minutes from the Fort Drum Route 26 Gate, this property is ideal for both homeowners and investors. Whether you’re looking to offset your mortgage with rental income or add a solid income-producing property to your investment portfolio, this is a rare opportunity you won’t want to miss. Schedule your private showing today before it’s gone!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
6/10
Carthage Middle SchoolGrades 5-82.4 mi
7/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1880

Materials

  • Foundation: Stone
  • Roof: Asphalt,Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Hardwood,Luxury Vinyl,Varies

Heating

  • Heating features: Gas,Hot Water

Interior Area

  • Total structure area: 2,402
  • Total interior livable area: 2,402 sqft

Property

Details

  • Parcel number: 2260010860410003020000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Open,Porch
  • Exterior features: Enclosed Porch,Porch

Lot

  • Lot size: 0.40 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 66 x 264

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
  • 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 $1,086$13,032
Home Insurance *$125$1,500
Property Taxes $236$2,832
Electricity $396$4,763
Total$1,843$22,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,188/yr
40% on housing$55,290/yr
45% on housing$49,146/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

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 13619$114
Jefferson County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 13619$116
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
2026-07-17Listed for sale$214,900
2020-07-24Sold$48,000
2020-06-15Pending sale$55,900
2020-06-10Price change$55,900
2020-05-12Price change$60,900
2020-04-07Listed for sale$65,900
2020-01-27Sold$124,445
2019-08-21Price change$109,900
2019-08-05Price change$119,900
2019-07-12Price change$129,900
2019-06-21Listing removed$1,000
2019-06-14Listed for rent$1,000
2019-04-27Price change$139,900
2019-04-02Price change$144,900
2017-07-05Listed for sale$149,707
2013-06-24Sold$140,000
2013-03-23Listed for sale$149,900
2012-11-15Listing removed$900
2012-10-16Listed for rent$900
2012-09-09Listing removed$1,000
2012-09-07Listed for sale$1,000
2012-09-04Listing removed$1,000
2012-08-31Listed for rent$1,000
2011-09-10Listing removed$900
2011-07-13Listed for rent$900
2010-01-25Sold$110,500
1996-08-06Sold$65,000

For Sale by Agent

AgentMarsha Gibbons
BrokerageTLC Real Estate LLC - Carthage

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