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163 Saint Lawrence Ave, Waddington, NY, 13694

4beds
3baths
0sqft
$369,000
--price/sqft
$3,004/moest. monthly cost
$120,160/yrincome needed

About This Home

This property has it all! This single family residence or duplex sits on the St. Lawrence River in the village of Waddington. It is currently being used as a single family home for convenience, but can be easily converted to a duplex if desired. For description purposes I will say 163-165. There is a shared driveway with the neighbor and can fit at least 2 vehicles. As you enter this home you will see the years of meticulous landscaping that has gone into the perennial gardens. It extends all around the house and into the yard. The house has vinyl siding done in 2020 as well as a maintenance free red metal roof adding to its charm. The owner states they have added 5 triple pane windows as well. There are two separate entrances to the home for ease of duplex transition. As you enter side 163 you come into an entrance way and staircase leading to the 3 bedrooms and a full bathroom. Just to the left you enter the living area which leads into the large dining room which currently holds their Olhausen Pool table and piano that conveys. From here there is a door leading to side 163 which is open for single family use now. The kitchen is next and is small but efficient. The stove and refrigerator both convey. The first of the full bathrooms is located on the main level and boasts a large walk in tub! You could fit a washer and dryer in this space if needed. To the left is the large sunroom which is great for entertaining with beautiful natural light and views of the river. The sunroom was added in 1985. The sun rooom leads to the large deck done in 2020, and is connected to the entire back of the house. It is beautifully stained and has built in benches and seating with wire banisters to enjoy the lovely St. Lawrence sunsets. Each side has its own entrance to the deck and steps to the backyard. Under the deck is a storage area for yard equipment etc. The yard has beautiful privacy trees and a frog pond as well as a floating dock redone in 2026 for boating enthusiasts. You also find the village walking path great for walking pets and exercise! Back inside we head upstairs. The main bedroom is large with a bonus room and attic within. This could be a large closet, office or anything you can imagine. The full bathroom has a tub that is currently not functioning but, would be an easy fix to have full use. There are two other good size rooms with ample closets on this level. Now onto side 165 which is single story living. You enter into a large living area, and another full bathroom with tiled walk in shower. There is another small kitchen with stove and refrigerator that also convey. You will love the bedroom with wood walls and cathedral wood ceiling and fans. This conveniently goes to the deck from sliding doors. You will find the small laundry room in this area as well. All the furniture is negotiable! Side 165 also has a bonus covered porch off the kitchen ready to enjoy morning coffee. Each side has its own gas furnace with Nest thermostats and separate meters and shares the water heater. There is a dry basement that was waterproofed in 2017 and has a transferrable warranty. It also has a sump pump and water softener. Come make this home your own, or rent the other side with great potential from visitors, and long term renters. Conveniently located within walking distance to the pavilion, restaurants and other village amenities. Not far from the Canadian border, and neighboring towns. Located within the Madrid Waddington School District. Call an agent for a tour!

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Sold as Is
  • Year built: 1856

Materials

  • Foundation: Basement,Stone
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Clothes Dryer-Elec,Clothes washer,Refrigerator,Stove-Gas,Water Heater(Gas)
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Natural Woodwork,Open beam ceiling,Tub and separate shower
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Carpet,Hardwood,Laminate,Wood

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 2,800

Property

Details

  • Parcel number: 21.024118

Features

  • Levels: Two Story
  • Stories: 2
  • Patio & porch: Covered patio,Deck
  • Exterior features: Lighting
  • On waterfront: Yes
  • Waterfront features: River Front,Adj to Riv/Str/Crk
  • Waterbody name: St. Lawrence River
  • Frontage length: Main Road: 50,Water Frontage: 50

Lot

  • Lot size: 5,400 sqft
  • Features: Garden,Landscaped
  • Lot size dimensions: 50 x 108

Parking

  • Parking features: 2 parking spaces,Shared Driveway
  • 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 $1,865$22,380
Home Insurance *$300$3,600
Property Taxes $593$7,116
Electricity $246$2,954
Total$3,004$36,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,994/yr
40% on housing$90,120/yr
45% on housing$80,106/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 13694$159
St. Lawrence County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 13694$95
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
2026-07-26Listed for sale$369,000

For Sale by Agent

AgentJill Michno
BrokerageFiacco Realty, LLC

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