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32 Main St, Potsdam, NY, 13676

7beds
4baths
0sqft
$260,000
--price/sqft
$2,128/moest. monthly cost
$85,120/yrincome needed

About This Home

Great opportunity for a centrally-located (walk to SUNY and Clarkson) multi-unit investment. The first floor contains a 1 BR with natural woodwork and open floor plan and new bathroom. Also, a 2 BR with new private porch. Upstairs is a recently-renovated 3 BR connected to an attic studio. Although built in 1900, the effective year built (county records) is 1950, and there have been major building renovations and updates since 2013 including porches, bathrooms, 3 BR reno, and metal roof.. Parking available for several cars. Current leases run through may or July 2026.

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

6/10
5/10

Construction

Condition

  • Property condition: Updated/Remodeled,Sold as is
  • Year built: 1900

Materials

  • Foundation: Cellar
  • Roof: Metal

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Laundry features: In Basement

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 3,115

Property

Details

  • Parcel number: 64.0591116

Features

  • Levels: Two Story
  • Stories: 2
  • Patio & porch: Covered porch
  • Exterior features: Lighting

Lot

  • Lot size: 8,250 sqft
  • Lot size dimensions: 50 x 165

Parking

  • Total spaces: 3
  • Parking features: 3 or more parking spaces,Driveway
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Winter Weather
Earthquake
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 $1,314$15,768
Home Insurance *$150$1,800
Property Taxes $418$5,016
Electricity $246$2,954
Total$2,128$25,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,960/yr
40% on housing$63,840/yr
45% on housing$56,746/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 13676$135
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13676$114
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
2025-09-18Price change$260,000
2024-09-13Listed for sale$280,000
2003-10-15Sold$155,000

For Sale by Agent

AgentNikki Coates
BrokerageNikki Coates & Associates LLC

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