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104 Maple St, Massena, NY, 13662

2beds
2baths
1,392sqft
$149,900
$108price/sqft
$1,358/moest. monthly cost
$54,320/yrincome needed

About This Home

INVESTMENT OPPORTUNITY!!! Are you looking for an investment property that is IMMACULATE and completely remodeled? This is your property. The current owner has taken care of everything. The upstairs apartment offers a nice open concept living room, eating area and kitchen with newer appliances, a large bedroom with closet and a spacious bathroom with storage cabinet along with the washer and dryer. Downstairs there is a huge open living room and dining room, spacious bedroom with large closet, open front porch/sunroom, updated bathroom and kitchen with appliances. Both units have a private entrance and the driveway and garage are on the side street (Pine Street). Much thought went into the renovation of both units and the owner made great use of every inch. Current rental income is $1800 a month and utilities are included.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

4/10
Madison Elementary SchoolGrades PK-60.7 mi
5/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1900

Materials

  • Foundation: Basement
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Appliances included: Clothes Dryer-Elec,Refrigerator,Stove-Elec,Stove-Gas,Water Heater(Electric)

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Features

  • Modern kitchen,Open Floorplan
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,392

Heating

  • Heating features: Electric

Interior Area

  • Total structure area: 1,392
  • Total interior livable area: 1,392 sqft

Property

Details

  • Parcel number: 9.058347
  • Zoning description: Residential

Features

  • Levels: Two,Two Story,Two story
  • Stories: 2
  • Frontage length: Main Road: 50

Lot

  • Lot size: 3,500 sqft
  • Features: Corner Lot
  • Lot size dimensions: 50 x 70

Parking

  • Total spaces: 1
  • Parking features: 1 car garage,Detached garage,Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
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 $757$9,084
Home Insurance *$114$1,368
Property Taxes $241$2,892
Electricity $246$2,954
Total$1,358$16,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,560/yr
40% on housing$40,740/yr
45% on housing$36,213/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

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 13662$105
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13662$90
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
2026-04-15Listed for sale$164,900
2009-06-03Sold$35,000
2005-06-09Sold$42,500

For Sale by Agent

AgentCheryl J. Yelle
BrokerageYelle Realty, LLC

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