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700 State St, Ogdensburg, NY, 13669

4beds
4baths
2,560sqft
$195,000
$76price/sqft
$1,914/moest. monthly cost
$76,560/yrincome needed

About This Home

Extremely well maintain apartment building with four very nicely remodeled units. Each unit is spacious with washer, dryer and appliances included. The windows are updated and the exterior is vinyl sided. The full, dry basement has ample storage areas for each apartment and an exterior entrance. There is plenty of off-street parking and the exterior is in great condition. The metal roof is only three years old. Water heater and boiler unit were new in February of 2015. Tenants pay their own electric but there is a fifth meter for hallway and exterior lights that the landlord takes care of which are on a timer. That bill runs 35 per month for the landlord's meter. The tenants have all been there between 4-8 years and are on a month-to-month basis. The landlord has raised the rent in quite some time, but apartments could definitely bring in more income.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

7/10
John F Kennedy SchoolGrades PK-60.8 mi
6/10
Ogdensburg Free AcademyGrades 7-120.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1874

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Brick accent,Vinyl Siding

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Appliances included: Clothes Dryer-Elec,Refrigerator,Stove-Elec,Water Heater(Domestic/boiler,Gas)

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Entrance Foyer
  • Flooring: Carpet,Ceramic Tile,Laminate,Vinyl
  • Attic: Crawl Space

Heating

  • Heating features: Baseboard,Natural Gas

Interior Area

  • Total structure area: 2,560
  • Total interior livable area: 2,560 sqft

Property

Details

  • Parcel number: 48.079121

Features

  • Levels: Two,Two Story,Two story
  • Stories: 2
  • Exterior features: Lighting

Lot

  • Lot size: 0.27 Acres
  • Features: Corner Lot
  • Lot size dimensions: 70 x 170

Parking

  • Total spaces: 3
  • Parking features: 3 or more parking spaces

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 $986$11,832
Home Insurance *$192$2,304
Property Taxes $313$3,756
Electricity $423$5,076
Total$1,914$22,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,622/yr
40% on housing$57,420/yr
45% on housing$51,040/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

$76This listing

vs Other Active Listings

Avg $/sqft

ZIP 13669$109
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13669$61
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
2026-07-03Listed for sale$195,000
2026-06-08Pending sale$195,000
2026-05-20Listed for sale$195,000

For Sale by Agent

AgentDeborah Polniak
BrokerageRiver Run Realty, LLC

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