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4432 Old State Rd, Carthage, NY, 13619

3beds
2baths
1,887sqft
$389,000
$206price/sqft
$2,954/moest. monthly cost
$118,160/yrincome needed

About This Home

CUSTOM BUILD in Carthage School District~ This one of a kind beauty is getting some finishing touches completed this week and will be ready for its new owner!! No cookie cutters used in this build. Seated on nearly 4 acres of land, you'll love the bright, but comfortable feel of the white-washed pine ceilings that seem to go on forever. Living Room large enough for any size furniture and expansive electric fireplace to add that extra cozy feel. Under this gorgeous Pergo floor you have in-floor heat to keep you warm all winter long. Corian countertops and Custom cabinets with just the right amount of color tones and distressing will make this kitchen the envy off all guests. Brand new stainless appliances and natural sunlight coming from all sides. Primary suite features extra deep closet and beautiful bathroom. Tiled walk-in shower sized perfectly and extra laundry area too. Washer & Dryer included! 2 more large bedrooms with oversized closets and a second full bath with tub & shower. Linen closet, coat closet, & utility room all blend perfectly into the flow of the home. With over 4 acres of land, you've got plenty of room to spread out or perhaps place a hot tub on that back patio..! Front covered porch, great for decorating in the fall or just sit for a quiet evening. Peace & quiet at this location, but less than 3 miles to the village restaurants, parks, and pharmacy. This property has so much to offer. Check it out!!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
6/10
Carthage Middle SchoolGrades 5-84.5 mi
7/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Other,See Remarks,Slab
  • Roof: Metal
  • Construction materials: Attic/Crawl Hatchway(s) Insulated,Blown-In Insulation,Other,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Exhaust Fan,Electric Oven,Electric Range,Microwave,Propane Water Heater,Refrigerator,Range Hood,Washer
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),Separate/Formal Dining Room,Separate/Formal Living Room,Kitchen Island,Solid Surface Counters,Bath in Primary Bedroom,Main Level Primary,Primary Suite
  • Flooring: Other,See Remarks
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Zoned,Radiant
  • Cooling features: Zoned

Interior Area

  • Total structure area: 1,887
  • Total interior livable area: 1,887 sqft

Property

Details

  • Parcel number: 085.000128.500
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Gravel Driveway,Patio,Propane Tank - Leased

Lot

  • Lot size: 4.20 Acres
  • Features: Irregular Lot,Rural Lot,Wooded
  • Lot size dimensions: 406 x 577

Parking

  • Parking features: No Garage,Driveway,Other

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 FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather
Cold Wave
Lightning
Strong Wind

FEMA Declared Disasters in Lewis County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Straight Line Winds
Tornado
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 $1,966$23,592
Home Insurance *$227$2,724
Property Taxes $450$5,400
Electricity $311$3,742
Total$2,954$35,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,280/yr
40% on housing$88,620/yr
45% on housing$78,773/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: 3.2%
3.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 13619$108
Lewis County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 13619$116
Lewis County$166

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
2026-08-05Contingent$389,000
2026-07-17Listed for sale$389,000

New Construction

AgentLisa Spear Woodward
BrokerageLisa Woodward Homes LLC

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