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408 River Rd, Potsdam, NY, 13676

4beds
3baths
0sqft
$345,000
--price/sqft
$2,913/moest. monthly cost
$116,520/yrincome needed

About This Home

Nestled along the scenic Raquette River, this spacious 4-bedroom, 2.5-bath home offers the perfect blend of comfort, functionality, and waterfront living. The colonial floor plan features generous living spaces including a well-appointed eat-in kitchen with custom maple cabinetry and granite countertops, a formal dining room with hardwood flooring, and large family room which is positioned for passive solar. A convenient powder room is also featured on the main floor. Upstairs, you will find 4 spacious bedrooms, all with hardwood flooring. The primary bedroom with 3/4 bath en-suite also has double closets. The guest bath features a jetted tub with shower surround. A stackable washer/drying on the second floor conveys, although there are also laundry hookups in the basement. The finished basement with walk-out provides additional living and recreation space. It includes a family room with pellet stove and ceramic tile flooring. The basement also has a separate entertainment room with laminate flooring that can be used as a home gym or rec room. The attached screened-in area is perfect for housing your kayaks, canoes, and fishing poles. A three-car garage offers ample storage for vehicles and outdoor equipment. A second driveway provides easy access to bring the groceries in directly to the kitchen. The roof was replaced only 4 years ago. A brand new boiler was installed less than one year ago. Enjoy the beauty of the riverfront setting with space to relax, entertain, swim, fish, kayak, or simply take in the peaceful water views. The property has apple trees and a mature magnolia, along with other perennials. Experience the best of North Country living in a home that embraces the natural beauty, recreation, and peaceful surroundings that define our region.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
A A Kingston Middle SchoolGrades 2,5-82.1 mi
5/10

Construction

Condition

  • Property condition: Sold as Is
  • Year built: 1970

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust fan/hood,Microwave oven,Refrigerator,Stacked washer/dryer,Stove-Gas,Water Heater(On Demand)
  • Laundry features: Laundry Closet,Upper Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedroom2

  • Area: 154

Bedroom3

  • Area: 182

Bedroom4

  • Area: 156.0278

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Family Room

  • Level: Basement
  • Area: 350

Features

  • Ceiling Fan(s),Natural Woodwork,Wall to wall closets
  • Flooring: Hardwood,Laminate,Tile
  • Fireplace features: Gas,Pellet Stove
  • Fireplace: Yes

Heating

  • Heating features: Hot Water,Propane

Interior Area

  • Total structure area: 2,518

Kitchen

  • Area: 253

Master Bedroom

  • Area: 202.5

Property

Details

  • Parcel number: 64.00124
  • Zoning description: 210

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Enclosed porch
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Hewitville Flow
  • Frontage length: Main Road: 200,Water Frontage: 200

Lot

  • Lot size: 2.10 Acres
  • Features: Trees
  • Lot size dimensions: 2.10 acres

Parking

  • Total spaces: 3
  • Parking features: 3 car garage,3 or more parking spaces,Automatic garage door,Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
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 $1,744$20,928
Home Insurance *$199$2,388
Property Taxes $554$6,648
Electricity $416$4,993
Total$2,913$34,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,874/yr
40% on housing$87,390/yr
45% on housing$77,680/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$136
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
2026-08-08Listed for sale$345,000
2026-08-06Listing removed$345,000
2026-07-14Price change$345,000
2026-07-01Price change$349,000
2026-06-13Listed for sale$359,000
2013-05-08Sold$201,000

For Sale by Agent

AgentTracy Bernard
BrokerageKing Realty NNY

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