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255 Mitchell Rd, Heuvelton, NY, 13654

2beds
1baths
1,216sqft
$424,900
$349price/sqft
$3,581/moest. monthly cost
$143,240/yrincome needed

About This Home

Set along the peaceful shores of Black Lake, this inviting 2-bedroom year-round home blends comfort, natural beauty, and exceptional waterfront living. The property captures everything people love about lake life — from wide-open water views to unforgettable evening sunsets enjoyed right from the home’s welcoming porch. Whether you’re sipping coffee at sunrise or unwinding at the end of the day, this outdoor space becomes a true extension of the home. Inside, the residence offers the ease of one-level living, making it ideal for full-time use, seasonal stays, or a low-maintenance getaway. Large windows frame the lake, filling the home with natural light and keeping the water in view throughout the day. The layout is practical and comfortable, with space to relax, entertain, and enjoy the peaceful setting. The property includes a detached garage, perfect for storing vehicles, boats, fishing gear, or outdoor equipment. The expansive lot provides generous waterfrontage and offers potential for subdivision, giving future owners flexibility for expansion, investment, or additional development

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

5/10
Morristown Central SchoolGrades PK-125.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1989

Materials

  • Foundation: Block,Poured
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Propane Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Kitchen/Family Room Combo,Living/Dining Room,Sliding Glass Door(s),Natural Woodwork,Bedroom on Main Level,Workshop
  • Door features: Sliding Doors
  • Flooring: Carpet,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Electric,Propane,Baseboard

Interior Area

  • Total structure area: 1,216
  • Total interior livable area: 1,216 sqft

Property

Details

  • Parcel number: 40540009807100020080000000
  • Special condition: Standard
  • Other equipment: Satellite Dish

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Open,Porch
  • Exterior features: Deck,Gravel Driveway,Private Yard,See Remarks,Propane Tank - Leased
  • On waterfront: Yes
  • Waterfront features: Beach Access,Lake
  • Waterbody name: Black Lake
  • Frontage length: 455

Lot

  • Lot size: 5.27 Acres
  • Features: Irregular Lot,Wooded
  • Lot size dimensions: 455 x 122

Parking

  • Total spaces: 1
  • Parking features: Detached,Electricity,Garage,Storage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather

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 $2,148$25,776
Home Insurance *$504$6,048
Property Taxes $683$8,196
Electricity $246$2,954
Total$3,581$42,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,777/yr
40% on housing$107,430/yr
45% on housing$95,493/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

$349This listing

vs Other Active Listings

Avg $/sqft

ZIP 13654$159
St. Lawrence County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 13654$71
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)

Price History

DateEventPrice
2026-05-09Listed for sale$499,000
2002-12-16Sold$73,800

For Sale by Agent

AgentCathy F Garlock
BrokerageGarlock Realty

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