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320 Morris St, Ogdensburg, NY, 13669

2beds
2baths
0sqft
$78,000
--price/sqft
$841/moest. monthly cost
$33,640/yrincome needed

About This Home

This duplex two family home is close to parks, church and schools. The beautiful hardwood floors have been redone, and you will be able to keep the snow and rain off your car in the two-stall garage. Live in half and let the other half pay your mortgage. This is a great investment. Make your appointment today. Owner would pay the heat but tenant can pay the electric. Two 100 amp circuit breaker boxes. One rental water heater for both apartments. Shared driveway to get to two stall garage

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

6/10
John F Kennedy SchoolGrades PK-60.7 mi
6/10
Ogdensburg Free AcademyGrades 7-120.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Metal,Shingle
  • Construction materials: Vinyl/metal siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Stove-Elec,Stove-Gas,Water Heater(Rental Water Heater)
  • Laundry features: In Kitchen,Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Door features: Insulated door(s)
  • Window features: Insulated Windows
  • Flooring: Hardwood,Vinyl
  • Attic: Scuttle

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 1,373

Property

Details

  • Parcel number: 48.071946

Features

  • Levels: Two,1.5 Story
  • Stories: 2
  • Patio & porch: Covered porch
  • Fencing: Fenced

Lot

  • Lot size: 4,988 sqft
  • Lot size dimensions: 29 x 172

Parking

  • Total spaces: 2
  • Parking features: Detached garage,Gravel,Shared Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters in St. Lawrence County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Tornado
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 $394$4,728
Home Insurance *$76$912
Property Taxes $125$1,500
Electricity $246$2,954
Total$841$10,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,834/yr
40% on housing$25,230/yr
45% on housing$22,426/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: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 13669$110
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13669$61
St. Lawrence County$99

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
2026-05-12Pending sale$78,000
2025-11-09Listed for sale$78,000
2023-09-09Listing removed--
2022-09-12Listed for sale$58,500
2021-08-05Listing removed--
2021-05-07Listed for sale$50,000
2014-01-22Sold$29,600
2010-08-14Listing removed$53,000
2010-06-12Listed for sale$53,000
2010-04-27Listing removed$53,000
2009-10-14Listed for sale$53,000
2009-08-01Listing removed$53,000
2009-02-01Listed for sale$53,000
2006-01-12Sold$37,500

For Sale by Agent

AgentMartha Morrison
BrokerageAmerica 1 Realty

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