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23 Larnard St, Potsdam, NY, 13676

2beds
1baths
0sqft
$49,000
--price/sqft
$599/moest. monthly cost
$23,960/yrincome needed

About This Home

GREAT OPPORTUNITY WITH EXCELLENT POTENTIAL! This 2,051 square foot home offers plenty of space and possibilities for the right buyer. Currently featuring 2 bedrooms and 1 bathroom, the home has ample room to create two additional bedrooms and another full bathroom, allowing you to customize the layout to fit your needs. Outside, you'll find a paved driveway and a spacious yard great for outdoor enjoyment, gardening, or entertaining. Conveniently located close to local restaurants, shops, stores, the hospital, and two colleges, this property offers both potential and a desirable location. Bring your vision and creativity to transform this house into the home of your dreams. Schedule your showing today!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

5/10
A A Kingston Middle SchoolGrades 2,5-80.5 mi
5/10

Construction

Condition

  • Property condition: Fixer,Sold as Is
  • Year built: 1887

Materials

  • Roof: Shingle

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 2,051

Property

Details

  • Parcel number: 64.050225

Features

  • Levels: 1.5 Story
  • Stories: 2

Lot

  • Lot size dimensions: 66 x

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Earthquake
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 $247$2,964
Home Insurance *$28$336
Property Taxes $78$936
Electricity $246$2,954
Total$599$7,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$20,537/yr
40% on housing$17,970/yr
45% on housing$15,973/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 13676$139
St. Lawrence County$127

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)

Price History

DateEventPrice
2026-07-30Listed for sale$49,000
2026-07-17Listing removed$54,000
2026-06-14Listed for sale$54,000
2025-09-30Sold$21,712
1997-10-22Sold$35,000

For Sale by Agent

AgentAmanda Fiacco
BrokerageFiacco Realty, LLC

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