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108 Mud Pond Road Prvt, Colton, NY, 13625

2beds
1baths
768sqft
$169,900
$221price/sqft
$1,471/moest. monthly cost
$58,840/yrincome needed

About This Home

NEW PRICE! This 2 bedroom ranch is within walking distance to the public boat launch on Higley flow. The year round home is located on 1.5 acres with room for expansion. The Chicken coop has plenty of room for your flock. Established garden boxes and garden area with many perennial flowers and stone walkways add to the charm of this home. The walk-out basement can be finished for additional living space and is heated with a woodstove. Upstairs on the main floor you will find a nice size living room which is open to the eat-in kitchen. In the Kitchen the back door leads out to a back deck and down to a stone patio with a fire pit. Additionally, the house has 2 bedrooms, the smaller being used as a craft room and a full bath. As a space saver there are spiral stairs leading to the basement. Don't miss out on this one!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Property condition: Fixer,Sold as Is
  • Year built: 1990

Materials

  • Foundation: P.T. Wood
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Ranch,Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Stove-Gas,Water Heater(Electric)
  • Laundry features: Laundry Hookups-Elec,In Basement

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Open Floorplan
  • Door features: Insulated door(s)
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area above ground: 768

Heating

  • Heating features: Electric,Forced Air,Propane

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Property

Details

  • Parcel number: 105.071110.11

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered porch,Deck
  • Fencing: Split Rail
  • Waterbody name: Higley Flow
  • Frontage length: Main Road: 309'

Lot

  • Lot size: 1.50 Acres
  • Features: Garden,Level
  • Lot size dimensions: 309' x 338' x 284' x 110'

Parking

  • Parking features: 2 parking spaces,Dirt Driveway,None
  • 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 $859$10,308
Home Insurance *$93$1,116
Property Taxes $273$3,276
Electricity $246$2,954
Total$1,471$17,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,434/yr
40% on housing$44,130/yr
45% on housing$39,226/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 13625$92
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13625$94
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
2026-06-18Price change$169,900
2026-05-31Listed for sale$180,000

For Sale by Agent

AgentTammy Gary
BrokerageCounty Seat Realty

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