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360 Oneida River Rd #68, Pennellville, NY, 13132

5beds
3baths
2,942sqft
$549,900
$187price/sqft
$4,430/moest. monthly cost
$177,200/yrincome needed

About This Home

Waterfront Living on the Oneida River! Welcome to this exceptional waterfront Colonial, where breathtaking views, incredible versatility, and endless possibilities come together on one remarkable property. Whether you're looking for multi-generational living, space for hobbies, or simply room to spread out, this one-of-a-kind home delivers. The main residence offers 3 spacious bedrooms and 1.5 bathrooms, highlighted by a stunning curved staircase that creates a beautiful focal point upon entry. Generous living spaces and picturesque river views provide the perfect setting for everyday living and effortless entertaining. Connected to the home is a fully equipped 2-bedroom in-law suite featuring its own private entrance, a full kitchen, comfortable family room, and full bathroom—ideal for extended family, long-term guests, or potential rental income. A true showstopper is the impressive 1,800-square-foot pole barn, complete with an additional 900-square-foot loft, offering endless possibilities for storage, a workshop, recreational equipment, business use, or future expansion. The pole barn also features a 3-car garage with two oversized bays measuring 24' x 28' and a third bay measuring 20' x 24', providing exceptional space for vehicles, boats, RVs, and all your outdoor toys. Car enthusiasts and hobbyists will also appreciate the home's additional attached 3-car garage, bringing the property's total garage capacity to an incredible six vehicles. Spend your days enjoying spectacular views of the Oneida River while embracing a true waterfront lifestyle filled with boating, fishing, kayaking, or simply relaxing and taking in the scenery. Opportunities like this are exceptionally rare, combining waterfront living, multi-generational accommodations, unmatched garage space, and an extraordinary pole barn all on one incredible property. This is more than a home—it's a lifestyle and an opportunity you won't want to miss!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1850

Materials

  • Foundation: Block,Stone
  • Construction materials: Blown-In Insulation,Spray Foam Insulation,Vinyl Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Free-Standing Range,Gas Water Heater,Microwave,Oven,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Separate/Formal Dining Room,Great Room,Natural Woodwork,Bedroom on Main Level,In-Law Floorplan,Programmable Thermostat
  • Flooring: Ceramic Tile,Hardwood,Laminate,Varies,Vinyl

Heating & Cooling

  • Heating features: Gas,Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,942
  • Total interior livable area: 2,942 sqft

Property

Details

  • Parcel number: 35548931500100010011200000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Enclosed Porch,Gravel Driveway,Porch
  • On waterfront: Yes
  • Waterfront features: River Access,Stream
  • Waterbody name: Oneida River
  • Frontage length: 315
  • Horses can be raised: Yes

Lot

  • Lot size: 10 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 215 x 2026

Parking

  • Total spaces: 6
  • Parking features: Attached,Detached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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

  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Ice Storm
Tsunami

FEMA Declared Disasters in Oswego County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
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 $2,780$33,360
Home Insurance *$271$3,252
Property Taxes $893$10,716
Electricity $486$5,834
Total$4,430$53,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,885/yr
40% on housing$132,900/yr
45% on housing$118,133/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 13132$153
Oswego County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 13132$109
Oswego County$135

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
2026-07-10Listed for sale$549,900

For Sale by Agent

AgentBarbara V Ciricillo
BrokerageColdwell Banker Prime Prop,Inc

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