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5790 State Highway 56, Potsdam, NY, 13676

3beds
2baths
2,345sqft
$492,000
$210price/sqft
$3,949/moest. monthly cost
$157,960/yrincome needed

About This Home

This well-maintained 3-bedroom, 2-bath home offers one of the larger water frontages on Hannawa Pond—approximately 384 feet—and a layout that blends comfort, function, and views. Outside, a new large composite deck and an arced screened porch provide excellent spaces to take in the water and surrounding landscape. A Potsdam sandstone pathway, made from reclaimed downtown sidewalk stone, leads from the deck to the shoreline. The paved wraparound driveway offers ample parking and will be sealed when weather allows. The exterior was also repainted and re-stained last year. Inside, the open-concept kitchen, living, and dining area is vaulted to a second-floor loft and filled with natural light. The updated kitchen includes stone countertops, stainless steel appliances, a breakfast bar, and a sink with a view of the pond. A newer sliding glass door connects the living space to the back deck. There’s also a wood-burning fireplace in the main living area for extra warmth and atmosphere. The loft space includes a great added flexible living space, lots of built-in storage and even a catwalk to a window that overlooks the water. A door off the dining area leads to an attached two-car insulated garage that includes automatic openers and a second stairwell to the lower level—ideal for easy access and convenience The primary suite on the main floor includes private deck access, a walk-in shower, and in-bathroom laundry. Two additional bedrooms and a full bath with new stone countertop and faucets round out the main level. The finished lower level provides an additional ~845 sq. ft. of heated living space and adds another flexible living space with a second kitchen area, propane fireplace, large windows, wall-to-wall carpet, and multiple storage options, including a walk-in mechanical room with three walls of built-in shelving. From its historic Potsdam sandstone walkway to the reconfigured deck and meticulously maintained interior and exterior, this home has been lovingly cared for and thoughtfully upgraded. With one of the larger water frontages on Hannawa Pond, this property offers both privacy and endless opportunity to enjoy lakeside living at its finest

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
5/10

Construction

Condition

  • Property condition: Updated/Remodeled,Sold as Is
  • Year built: 1987

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove-Elec

Basement

  • Has basement: Yes
  • Basement: Daylight,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Entrance Foyer
  • Number of fireplaces: 2
  • Fireplace features: Gas,Living Room,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 845
  • Finished area above ground: 1,500

Heating & Cooling

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

Interior Area

  • Total structure area: 2,345
  • Total interior livable area: 2,345 sqft

Property

Details

  • Parcel number: 76.083131

Features

  • Stories: 3
  • Patio & porch: Covered porch,Deck
  • Exterior features: Lighting
  • On waterfront: Yes
  • Waterfront features: Waterfront,Adj to Riv/Str/Crk
  • Frontage length: Water Frontage: 384

Lot

  • Lot size: 0.58 Acres
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: 2 car garage,3 or more parking spaces,Attached garage,Automatic garage door,Circular Driveway,Driveway,Wrap Around Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
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 $2,487$29,844
Home Insurance *$284$3,408
Property Taxes $791$9,492
Electricity $387$4,650
Total$3,949$47,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,394/yr
40% on housing$118,470/yr
45% on housing$105,306/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

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 13676$134
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
2026-04-05Price change$549,000
2025-05-24Listed for sale$599,000
2002-10-28Sold$158,500

For Sale by Agent

AgentKatie Geidel
BrokerageSandstone Realty NY LLC

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