16555 Bear Rd, Clayton, NY, 13624
About This Home
1000 ISLANDS RIVER HOME***Get ready to enjoy this elegant 5-bedroom, 2,5 bath home set along the prestigious main channel of the St Lawrence River. This refined home offers graceful one-level living enhanced by a beautifully flowing open floor plan. The gourmet kitchen features expansive custom cabinetry, premium new appliances, and a generous walk-in pantry, creating a space that is both functional and great for entertaining. A full, walk-out finished basement provides additional living and entertaining space with exceptional versatility. Outdoors, the property boasts protected deep-water dockage, offering secure mooring and effortless access to world class boating. Also features 2 attached garages with plenty of room for your cars, boats and storage. This is a rare opportunity to experience the the timeless elegance and unmatched beauty of true 1000 Islands waterfront living. Call now as locations like this rarely come on the market.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2000
Materials
- Foundation: Block
- Roof: Architectural,Shingle
- Construction materials: Stucco,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Transitional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Refrigerator,Dryer,Dishwasher,Electric Oven,Electric Range,Propane Water Heater,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
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),Granite Counters,Kitchen/Family Room Combo,Living/Dining Room,Sliding Glass Door(s),Storage,Natural Woodwork,Main Level Primary,Workshop
- Door features: Sliding Doors
- Flooring: Carpet,Tile,Varies
- Finished area below ground: 1,707
Heating
- Heating features: Propane,Forced Air
Interior Area
- Total structure area: 3,414
- Total interior livable area: 3,414 sqft
Property
Details
- Parcel number: 2232890200080001001100
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Exterior features: Blacktop Driveway,Propane Tank - Leased
- On waterfront: Yes
- Waterfront features: Beach Access,Dock Access,River Access,Stream
- Waterbody name: Saint Lawrence Seaway
- Frontage length: 119
Lot
- Lot size: 0.84 Acres
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 119 x 306
Parking
- Total spaces: 6
- Parking features: Attached,Underground,Garage
- 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
- Inland Flooding
- Winter Weather
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Jefferson County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $8,343 | $100,116 |
| Home Insurance * | $1,038 | $12,456 |
| Property Taxes | $1,815 | $21,780 |
| Electricity | $564 | $6,770 |
| Total | $11,760 | $141,120 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-30 | Listed for sale | $1,750,000 |
| 2004-08-17 | Sold | $710,000 |
| 1999-09-16 | Sold | $110,000 |
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