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39 Clay St, Cleveland, NY, 13042

2beds
1baths
1,336sqft
$159,900
$120price/sqft
$1,390/moest. monthly cost
$55,600/yrincome needed

About This Home

Make your offer today on this newly renovated two bedroom home in the popular Central Square school district! The property features a remodeled kitchen to include a new countertop and new flooring. Other notable updates include New windows, New furnace, New Hot Water Heater, a fully renovated bathroom with new bathtub and surround, new toilet and a new vanity in addition to all new flooring and carpet throughout, new interior doors, new lighting, new interior paint and more. Don't delay, schedule your showing today and own this move in ready property!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

4/10
4/10
5/10
Paul V Moore High SchoolGrades 9-1213.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1875

Materials

  • Foundation: Block,Poured
  • Roof: Metal
  • Construction materials: Vinyl Siding,Wood Siding,Copper Plumbing

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Walk-In Pantry,Programmable Thermostat
  • Flooring: Carpet,Laminate,Varies

Heating

  • Heating features: Propane,Forced Air

Interior Area

  • Total structure area: 1,336
  • Total interior livable area: 1,336 sqft

Property

Details

  • Parcel number: 35260131301300020010000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Open,Porch
  • Exterior features: Dirt Driveway,Deck,Propane Tank - Leased

Lot

  • Lot size: 0.67 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot,Wooded
  • Lot size dimensions: 90 x 325

Parking

  • Parking features: No Garage

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
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Ice Storm
Lightning
Strong Wind
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 $808$9,696
Home Insurance *$77$924
Property Taxes $259$3,108
Electricity $246$2,954
Total$1,390$16,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,657/yr
40% on housing$41,700/yr
45% on housing$37,066/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

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 13042$181
Oswego County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 13042$143
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
2026-07-19Listed for sale$159,900
2024-12-26Sold$40,500
2009-05-16Listing removed$57,900
2008-12-03Listed for sale$57,900

For Sale by Agent

AgentJoseph Lisowski
BrokerageHoward Hanna Real Estate

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