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8 Zowllar Rd, Ogdensburg, NY, 13669

2beds
2baths
0sqft
$145,000
--price/sqft
$1,354/moest. monthly cost
$54,160/yrincome needed

About This Home

A picturesque view and easy access to the lake is what you will find at this seasonal property located on Black Lake. If fishing, kayaking or just lake living is what you are looking for, this could be the cottage for you. With 65’ of lakefront, this 2 bedroom, 2 bath cottage is located on a dead end road, away from the main road with potential year round access. Cottage comes completely furnished including all appliances. Walking through the kitchen area you will notice updated cabinets and countertops. The 20’x11’ family room with many windows facing the lake will not disappoint. Outside you will find a 20x14 garage, including a riding John Deere lawn mower. The property has a gentle walking slope to the lake.The 80’ rolling aluminum dock is also included with the property.The Black Lake boat launch is located approximately 9 miles from the cottage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Morristown Central SchoolGrades PK-127.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Crawl Space,Pier,Concrete Perimeter
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Clothes Dryer-Elec,Clothes washer,Microwave oven,Refrigerator,Stove-Elec,Water Heater(Electric)
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Vinyl

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 800

Property

Details

  • Parcel number: 85.03912

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront
  • Waterbody name: Black Lake
  • Frontage length: Water Frontage: 65

Lot

  • Lot size: 0.25 Acres
  • Features: Sloped
  • Lot size dimensions: 65 x 170

Parking

  • Total spaces: 1
  • Parking features: Detached garage,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather
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 $733$8,796
Home Insurance *$142$1,704
Property Taxes $233$2,796
Electricity $246$2,954
Total$1,354$16,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,422/yr
40% on housing$40,620/yr
45% on housing$36,106/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 13669$108
St. Lawrence County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 13669$61
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
2026-08-17Pending sale$145,000
2026-07-28Price change$145,000
2026-07-01Listed for sale$155,000
2026-06-28Pending sale$155,000
2026-06-21Listed for sale$155,000

For Sale by Agent

AgentKari McCormick
BrokerageBlue Heron Realty

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