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3578 County Route 6, Hammond, NY, 13646

1beds
1baths
0sqft
$189,900
--price/sqft
$1,583/moest. monthly cost
$63,320/yrincome needed

About This Home

This year-round home would be perfect for an everyday escape. The home features a drilled well, septic system, propane heater, washer, dryer and all other amenities. It just so happens to come along with 350 feet of prime Black Lake frontage. It is close to all the stores and restaurants along the way. Let's not stop there because the camp comes with an added space for guests to stay across the sprawling yard. This home or camp whatever you choose to call it is a must see and is priced to sell!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
Morristown Central SchoolGrades PK-124.9 mi

Construction

Condition

  • Property condition: Sold as Is
  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Log

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 864

Kitchen

  • Area: 63

Living Room

  • Area: 208

Property

Details

  • Parcel number: 98.05511

Features

  • Levels: One
  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront
  • Waterbody name: Black Lake
  • Frontage length: Water Frontage: 350

Lot

  • Lot size: 0.83 Acres
  • Lot size dimensions: .83

Parking

  • Total spaces: 2
  • Parking features: 2 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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather

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 $960$11,520
Home Insurance *$72$864
Property Taxes $305$3,660
Electricity $246$2,954
Total$1,583$18,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,274/yr
40% on housing$47,490/yr
45% on housing$42,213/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 13646$140
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13646$270
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
2026-05-20Listed for sale$189,900

For Sale by Agent

AgentValerie Bogardus
BrokerageLacy Realty, LLC

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