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42 Champlain St, Rouses Pt, NY, 12979

2beds
2baths
1,260sqft
$129,900
$103price/sqft
$1,158/moest. monthly cost
$46,320/yrincome needed

About This Home

This two-story home presents a unique opportunity as it is located on a corner lot within a charming village setting. With a zoning classification of Com-1, the property truly offers various possibilities including running a commercial office or even converting the space into a residential home. A key feature of this place is the paved circular driveway which is not only convenient but also adds a sense of prestige. Set amidst serene village surroundings, the home is equipped with village water and sewer services. The property has two or potentially three bedrooms and encompasses a total of 1.5 bathrooms. Special attention must be paid to the enclosed porch area, making it a perfect spot to unwind, while adding extra space to the house's layout. With potential for a business opportunity or a unique living arrangement in a close-knit village community, this property presents a wonderful palette for your imagination. The home awaits your ideas to turn it into the welcoming office or homely area you've been waiting to acquire.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Poured
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

  • Level: Second
  • Area: 123.25
  • Dimensions: 14.5 x 8.5

Bedroom

  • Level: Second
  • Area: 182
  • Dimensions: 14 x 13

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Family Room

  • Level: First
  • Area: 152.25
  • Dimensions: 14.5 x 10.5

Features

  • Flooring: Carpet,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,260

Heating & Cooling

  • Heating features: Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,260
  • Total interior livable area: 1,260 sqft

Kitchen

  • Level: First
  • Area: 104.5
  • Dimensions: 11 x 9.5

Living Room

  • Level: First
  • Area: 201.5
  • Dimensions: 13 x 15.5

Office

  • Level: First
  • Area: 93.5
  • Dimensions: 11 x 8.5

Property

Details

  • Parcel number: 20.1823
  • Zoning: Commercial

Features

  • Stories: 2

Lot

  • Lot size: 9,147 sqft
  • Features: Corner Lot
  • Lot size dimensions: 83x110

Parking

  • Parking features: Open
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Clinton County and New York

Flood
Severe 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 $656$7,872
Home Insurance *$63$756
Property Taxes $193$2,316
Electricity $246$2,954
Total$1,158$13,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,702/yr
40% on housing$34,740/yr
45% on housing$30,880/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: 1.4%
1.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 12979$146
Clinton County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 12979$114
Clinton County$150

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
2026-03-25Listed for sale$150,000

For Sale by Agent

AgentJoey Trombley
BrokerageKavanaugh Realty

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