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131 Saint Lawrence Ave, Waddington, NY, 13694

8beds
4baths
3,840sqft
$875,000
$228price/sqft
$7,176/moest. monthly cost
$287,040/yrincome needed

About This Home

Nestled along the picturesque St. Lawrence River in the heart of Waddington, 131 St. Lawrence Avenue presents a rare and unique opportunity to own a premier waterfront investment property in one of the North Country’s most sought-after locations. Encompassing 5,760 square feet of heated interior space, this well-maintained and fully renovated property features four versatile units with strong income potential, along with deep-water access complete with a private dock for effortless boating on the St. Lawrence River. The property includes a fully furnished 1-bedroom, 1-bath unit currently operating as an Airbnb, a 2-bedroom, 1-bath apartment with long-term tenants, and an additional 1-bedroom, 1-bath unit rented monthly to medical professionals. The property also includes expansive commercial space spanning half of the main level and nearly the full lower level, with potential for commercial use, residential conversion, a live-work layout, or use as one large unit. Outside, paved parking in both the front and rear of the property provides added convenience for tenants, guests, and customers alike. Major renovations completed in 2023–2024 include a new roof, updated electrical with four separate meter options, modern PEX plumbing, new water heaters, and more. Each unit is equipped with an efficient natural gas furnace for heating. Step outside to experience 85 feet of level frontage along the St. Lawrence River, perfect for fishing, boating, and water activities. Enjoy breathtaking sunset views and ships passing in the distance while the St. Lawrence University rowing teams glide by your backyard. Walk along the scenic waterfront trail or catch the summer concert series at the adjacent Island View Park. Waddington is renowned for hosting the Bassmaster Elite Series, offering a world-class carp fishery, and being part of the St. Lawrence snowmobile trail system. Located within walking distance of all village amenities that make Waddington such a beloved riverfront community, this exceptional riverfront property combines lifestyle, location, and investment versatility in one remarkable package. Whether you are looking to expand your portfolio, operate a mixed-use waterfront business, seek a flexible live-and-rent option, or own a top-tier income-producing waterfront property, this is a rare opportunity to own one of Waddington’s premier waterfront offerings.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1986

Materials

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

Type & Style

  • Home type: MultiFamily
  • Architectural style: Colonial

Interior

Appliances

  • Appliances included: Clothes Dryer-Elec,Dishwasher,Oven Range Microwave,Refrigerator,Self-cleaning oven,Water Heater(Gas)
  • Laundry features: Common Area,Main Level

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 4
  • Full bathrooms: 4

Family Room

  • Level: Basement

Features

  • Ceiling Fan(s),Modern kitchen,Natural Woodwork,Open Floorplan,Walk-In Closet(s),Entrance Foyer
  • Door features: Insulated door(s)
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Laminate
  • Finished area above ground: 3,840

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 3,840
  • Total interior livable area: 3,840 sqft

Property

Details

  • Parcel number: 21.02412

Features

  • Levels: Two story
  • Stories: 2
  • Patio & porch: Covered patio,Covered porch,Patio,Porch
  • Exterior features: Balcony,Lighting
  • Has view: Yes
  • View description: Lake/river view,Panoramic,River,Water
  • Has water view: Yes
  • Water view: Lake/river view,River,Water
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront
  • Waterbody name: St Lawrence River
  • Frontage length: Main Road: 108,Water Frontage: 85

Lot

  • Lot size: 9,180 sqft
  • Features: Adj Pub/Priv Open Area,Landscaped,Level
  • Lot size dimensions: 85 x 108

Parking

  • Total spaces: 20
  • Parking features: 3 or more parking spaces,Driveway
  • 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 $4,424$53,088
Home Insurance *$711$8,532
Property Taxes $1,407$16,884
Electricity $634$7,615
Total$7,176$86,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$246,034/yr
40% on housing$215,280/yr
45% on housing$191,360/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 13694$166
St. Lawrence County$125

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
2026-05-08Listed for sale$875,000

For Sale by Agent

AgentLisa O'Brien
BrokerageO'Brien Properties, LLC

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