See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

31 Main St, Waddington, NY, 13694

3beds
2baths
0sqft
$210,500
--price/sqft
$1,819/moest. monthly cost
$72,760/yrincome needed

About This Home

This historic home that has been remodeled but left with its original charm and character. It was once the Moore house and then the Waddington Museum. It's located on the main street of beautiful downtown Waddington. This three-bedroom, 1.5 bath home has had some major updates such as a new kitchen, new 1.5 baths, new sheet rocked walls and ceilings, new flooring throughout, new electrical entrance, new plumbing, new windows, new sewer right out to the street. A new furnace and water heater were installed in 2021. The original woodwork and huge pocket doors still remain. A new front porch was built in 2024 and some shutters added to enhance the charm. There is one more room upstairs that has not yet been transformed, and it could easily be a fourth bedroom. The lot is deep and garage has plenty of storage space. Laundry is located on the first floor along with a pantry that has been tastefully preserved. The original front staircase is there, as is the beautiful wood front door. There is a Certificate of Occupancy that was issued when purchased from the village and it is now registered as residential.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Older Home (75+ yrs),Updated/Remodeled
  • Year built: 1860

Materials

  • Foundation: Basement,Stone
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven Range Microwave,Refrigerator,Stove-Elec,Water Heater(Electric)
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Modern kitchen,Pantry,Entrance Foyer
  • Flooring: Hardwood,Laminate

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 2,064

Property

Details

  • Parcel number: 21.032418

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Fencing: Fenced
  • Frontage length: Main Road: 49

Lot

  • Lot size: 8,712 sqft
  • Features: Garden,Level
  • Lot size dimensions: 49 x 191

Parking

  • Total spaces: 1
  • Parking features: 1 car garage,3 or more parking spaces,Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $1,064$12,768
Home Insurance *$171$2,052
Property Taxes $338$4,056
Electricity $246$2,954
Total$1,819$21,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,365/yr
40% on housing$54,570/yr
45% on housing$48,506/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 13694$195
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13694$95
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
2025-10-15Price change$229,500
2025-08-22Price change$259,000
2025-08-06Listed for sale$279,500
2023-12-08Listing removed--
2023-09-25Listed for sale$115,000
2023-06-23Listing removed--
2023-04-28Listed for sale$124,900
2023-04-20Listing removed--
2023-01-18Listed for sale$129,000
2022-05-25Listing removed--
2021-11-22Pending sale$75,000
2021-09-14Listed for sale$75,000
2003-07-07Sold$95,000

For Sale by Agent

AgentDeborah Polniak
BrokerageRiver Run Realty, LLC

Similar Homes