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829 Ruddy Rd, Chase Mills, NY, 13621

2beds
1baths
0sqft
$134,000
--price/sqft
$1,372/moest. monthly cost
$54,880/yrincome needed

About This Home

WELCOME TO YOUR RIVERFRONT SANCTUARY…This 2 bedroom seasonal property was purchased by the current owners 4 years ago. It is situated on the Grasse River with 97’ of river frontage. The owners had stone and soil brought in for drainage on both sides of the property that gradually slopes down to the water. At the river, there is a new dock for fishing, or to just enjoy the beautiful view. Back up at the home, off the back is a new 10’x20’ screened in porch. Even the floorboards of the porch have screens underneath them to keep the bugs away. Such a wonderful place to enjoy your morning coffee, your afternoon book, or even a nap. Inside, the owners have installed a lot of new Sheetrock and newly painted walls. The kitchen has new countertops and re-finished cabinets, a new sink, faucets, and lighting. The stove is also new. The flooring throughout has been replaced. They had a whole new HVAC system installed, so it stays nice and cool in the summertime. Most of the windows are new. The bathroom has a new vanity and new tub/shower surround. The hookups for the laundry are in here. The water heater is a year old with a filtration system. When purchased, a survey and the electrical inspection will be provided. Outside, there is new skirting all around and a metal roof. If you’ve been wanting a move-in-ready getaway, this is the one for you!! Seller will include all furnishings except for two rockers and a small table on the screened porch, the black chest in the living room, and the bed in the primary bedroom. Sellers will also pay buyers' closing costs. Call and get your showing scheduled!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1978

Materials

  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Microwave oven,Refrigerator,Stove-Gas,Water Heater(Electric)
  • Laundry features: Laundry Hookups-Elec

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Breakfast Bar,Modern kitchen
  • Door features: Insulated door(s)
  • Window features: Insulated Windows
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 600

Property

Details

  • Parcel number: 31.00217

Features

  • Stories: 1
  • Patio & porch: Enclosed porch
  • Exterior features: Lighting
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront
  • Frontage length: Main Road: 103,Water Frontage: 97

Lot

  • Features: Oversized,Trees
  • Lot size dimensions: 103' x 362' x 368' x 97'

Parking

  • Parking features: None

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 $677$8,124
Home Insurance *$234$2,808
Property Taxes $215$2,580
Electricity $246$2,954
Total$1,372$16,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,040/yr
40% on housing$41,160/yr
45% on housing$36,586/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 13621$134
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13621$44
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
2026-08-08Price change$124,000
2026-07-20Price change$134,000
2026-06-27Listed for sale$144,000
2022-08-30Listing removed--
2022-06-15Price change$64,900
2022-05-23Price change$69,000
2022-04-30Listed for sale$79,000
2000-05-24Sold$3,800

For Sale by Agent

AgentChristine Amo
BrokerageDufrane Real Estate, LLC

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