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31 Smith Rd, Massena, NY, 13662

5beds
1baths
0sqft
$79,900
--price/sqft
$838/moest. monthly cost
$33,520/yrincome needed

About This Home

Quaint solid home on the outskirts of the village, close to Canadian Border. This home is recorded as being 2 bedrooms but has the potential to be 5. There is a newer addition on the back of the house with a large closet, along with 4 smaller rooms upstairs. The kitchen is good size and has been updated and the laundry is on the main floor. All appliances are included. Property line goes all the way down to the campground and has a shed in the back. At one time, the backyard was a nice oasis and with a little yard work could be that again! Plenty of room for entertaining. There was an additional shed/garage built to the side of the main garage, but this needs some work. This property was once a business and between the house and the garage is a shop with a storage room to the back. The metal roof is just over 10 years old and there is a newer garage door. Home heats with electric and the hot water heater was new in 2023, and is wheel chair accessible. With a little TLC, this property has a lot of potential. Great spot for an AirBNB!! Contact an agent for your showing.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
4/10

Construction

Condition

  • Property condition: Older Home (75+ yrs),Sold as Is
  • Year built: 1940

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Masonite,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Clothes Dryer-Elec,Clothes washer,Refrigerator,Stove-Elec,Water Heater(Electric)
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Hardwood,Vinyl
  • Attic: Scuttle

Heating

  • Heating features: Electric

Interior Area

  • Total structure area: 1,320

Kitchen

  • Area: 110.5

Master Bedroom

  • Area: 216.9167

Property

Details

  • Parcel number: 10.03123
  • Zoning description: HC

Features

  • Levels: 1.5 Story
  • Stories: 2
  • Patio & porch: Enclosed porch

Lot

  • Lot size: 0.60 Acres
  • Lot size dimensions: 75 x 350

Parking

  • Total spaces: 1
  • Parking features: 1 car garage,2 parking spaces,Attached
  • 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather
Earthquake

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 $404$4,848
Home Insurance *$60$720
Property Taxes $128$1,536
Electricity $246$2,954
Total$838$10,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,731/yr
40% on housing$25,140/yr
45% on housing$22,346/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 13662$107
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$79,900
2026-07-17Price change$79,900
2026-06-14Price change$84,900
2026-06-08Price change$89,900
2026-05-15Listed for sale$89,000

For Sale by Agent

AgentDarcy LaCombe
BrokerageYelle Realty, LLC

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