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32 Elm St, Potsdam, NY, 13676

7beds
3baths
3,864sqft
$249,000
$64price/sqft
$2,440/moest. monthly cost
$97,600/yrincome needed

About This Home

This late 19th century folk Victorian home blends original character with classic Upstate charm. Thoughtfully maintained with updates, the property offers 2,864 sq ft and an additional 1,000 sq ft in the separate, fully renovated attached apartment. Nestled on a corner lot with a wrap-around paved drive, boasting 217 combined feet of frontage along Elm Street, Lawrence Avenue, and Leroy Street—right in the heart of the village. Enjoy the convenience of being within walking distance of downtown shops, restaurants, movie theater, schools, universities, and the hospital. The bright and spacious main house offers four to five bedrooms and two bathrooms, highlighted by distinctive architectural details such as original moldings and doors, double staircases, high ceilings, and generous rooms. The main level features a fully equipped kitchen, double living rooms, laundry room, and a half bath. Upstairs, the second floor offers four to five bedrooms and a full bath. Updates include a high-efficiency natural gas furnace, upgraded electrical with added circuitry, updated windows, a fire suppression system, and more. The attached apartment, fully renovated down to the studs in 1995, features in-floor heat, new plumbing and electrical, a well-designed main floor layout with a full bath, and two bedrooms upstairs. With its prime location, and timeless appeal, this home is already generating income and is ready for its next chapter. Don’t miss your opportunity to own this impressive residence, attractively priced at $65 per square foot. Schedule a tour today!

Getting Around

79
WalkingVery Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

6/10
5/10

Construction

Condition

  • Property condition: Older Home (75+ yrs)
  • Year built: 1900

Materials

  • Foundation: Basement,Stone
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Door features: Insulated door(s)
  • Window features: Insulated Windows
  • Flooring: Newer carpet,Tile,Vinyl
  • Finished area above ground: 3,864

Heating

  • Heating features: Forced Air,Natural Gas,Radiant

Interior Area

  • Total structure area: 3,864
  • Total interior livable area: 3,864 sqft

Property

Details

  • Parcel number: 64.0591214

Features

  • Stories: 2
  • Patio & porch: Covered porch,Porch
  • Exterior features: Lighting
  • Frontage length: Main Road: 217

Lot

  • Lot size: 7,217 sqft
  • Features: Corner Lot,Level
  • Lot size dimensions: 217 x 115 x 140

Parking

  • Total spaces: 3
  • Parking features: 3 or more parking spaces,Driveway,Wrap Around Driveway
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Winter Weather
Earthquake
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 $1,259$15,108
Home Insurance *$143$1,716
Property Taxes $400$4,800
Electricity $638$7,662
Total$2,440$29,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,657/yr
40% on housing$73,200/yr
45% on housing$65,066/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

$64This listing

vs Other Active Listings

Avg $/sqft

ZIP 13676$138
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)

Price History

DateEventPrice
2026-02-19Listed for sale$249,000
1997-06-02Sold$23,000

For Sale by Agent

AgentLisa O'Brien
BrokerageO'Brien Properties, LLC

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