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687 Curtiss Rd, Little Falls, NY, 13365

1beds
1baths
912sqft
$185,000
$203price/sqft
$1,548/moest. monthly cost
$61,920/yrincome needed

About This Home

Discover the perfect blend of comfort, recreation, and country charm with this inviting 2-bedroom, 1-bath cottage nestled in a peaceful setting just outside of Little Falls. Whether you're searching for a full-time residence, a weekend getaway, or a property to make your own, this home offers an exceptional opportunity in a location outdoor enthusiasts will love. Inside, you'll find comfortable single-level living filled with natural light, spacious rooms, and a warm, welcoming atmosphere. The oversized eat-in kitchen offers abundant cabinetry and countertop space, flowing effortlessly into the cozy living area—ideal for everyday living, relaxing, or entertaining guests. Two generously sized bedrooms and a full bathroom complete the home's functional layout, while the attached one-stall garage provides added convenience, storage, and protection from the elements. Step outside and embrace the peaceful surroundings, where mature trees and open outdoor space create the perfect backdrop for morning coffee, evening bonfires, or simply enjoying the fresh country air. The location truly sets this property apart. Situated next door to the popular Ridge Runners and directly along the snowmobile trail, you'll have four-season recreation right outside your door. From snowmobiling in the winter to exploring the scenic countryside year-round, this property offers a lifestyle that's hard to match. Enjoy the tranquility of country living while remaining just a short drive to Little Falls, shopping, dining, parks, and convenient access to the New York State Thruway. Opportunities like this don't come along often!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1967

Materials

  • Foundation: Poured
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Bedroom on Main Level
  • Flooring: Carpet,Tile,Varies

Heating

  • Heating features: Propane,Oil,Forced Air

Interior Area

  • Total structure area: 912
  • Total interior livable area: 912 sqft

Property

Details

  • Parcel number: 21460009600300020370000000
  • Special condition: Estate

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Concrete Driveway

Lot

  • Lot size: 0.59 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 200 x 129

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Herkimer County and New York

Flood
Severe 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 $935$11,220
Home Insurance *$112$1,344
Property Taxes $255$3,060
Electricity $246$2,954
Total$1,548$18,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,074/yr
40% on housing$46,440/yr
45% on housing$41,280/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 13365$102
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13365$104
Herkimer County$130

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
2026-07-15Listed for sale$185,000

For Sale by Agent

AgentBrandon Mosher
BrokerageRiver Hills Properties LLC Lf

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