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103-107 High St, Theresa, NY, 13691

8beds
3baths
3,304sqft
$240,000
$73price/sqft
$2,127/moest. monthly cost
$85,080/yrincome needed

About This Home

Triplex located in the heat of Theresa currently generating $2,750/month in rent. Opportunity exist to increase rents to market! Current owner made many investments in the property post purchase including new paint job, exterior stairs being rebuilt, two total unit makeovers with paint, flooring and some appliances. Additionally secured reliable tenant base. This one checks all the boxes! Cash flow, 1% rule, low maintenance and convenient location to Ft. Drum, Rt.37 and I-81. For Potential Buyers: Must submit pre-approval or verification of funds prior to scheduling a showing. In an effort to minimize impact on current tenants, we may try to line up multiple showings on certain days. Don't wait! Start your investment portfolio now!

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
Theresa Primary SchoolGrades K-30.7 mi
7/10
9/10
Indian River High SchoolGrades 9-126.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1925

Materials

  • Foundation: Block,Other,See Remarks
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Refrigerator,See Remarks,Water Heater

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Other,See Remarks
  • Flooring: Carpet,Laminate,Luxury Vinyl,Other,See Remarks,Varies,Vinyl

Heating & Cooling

  • Heating features: Other,See Remarks,Baseboard,Electric
  • Cooling features: Other,See Remarks

Interior Area

  • Total structure area: 3,304
  • Total interior livable area: 3,304 sqft

Property

Details

  • Parcel number: 2256010230800001001000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 0.26 Acres
  • Features: Irregular Lot,Other,Residential Lot,See Remarks
  • Lot size dimensions: 115 x 100

Parking

  • Parking features: No Garage,Driveway

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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Jefferson County and New York

Flood
Hurricane
Severe Storm
Snowstorm
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 $1,213$14,556
Home Insurance *$104$1,248
Property Taxes $264$3,168
Electricity $546$6,552
Total$2,127$25,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,925/yr
40% on housing$63,810/yr
45% on housing$56,720/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$73This listing

vs Other Active Listings

Avg $/sqft

ZIP 13691$287
Jefferson County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 13691$136
Jefferson County$126

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
2026-04-29Listed for sale$259,000

For Sale by Agent

AgentCourtney Thomas
BrokerageMarble Key Realty LLC

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