628 Mundy St, Watertown, NY, 13601
About This Home
This inviting four-bedroom, one-and-a-half-bath home pairs classic character with practical updates on a quiet street in Watertown. Inside, beautiful hardwood floors and generously sized rooms create a warm, comfortable setting, while the modern kitchen offers the function and style today’s buyers appreciate. A formal dining area is ready for holiday dinners, weeknight meals, or that puzzle you swear you will finish. The flexible layout includes a convenient first-floor bedroom, first-floor laundry, and well-proportioned living spaces designed for everyday comfort. Upstairs, additional bedrooms provide room for guests, hobbies, or a home office. A full attic adds valuable storage and future potential. Outside, the fenced backyard offers space for pets, recreation, and outdoor entertaining, and the detached garage adds even more convenience. With approximately1,414 square feet, this home also enjoys easy access to local favorites such as Thompson Park and the Black River Trail, giving you recreation close to home. Well-kept, comfortable, and move-in ready, this is a wonderful opportunity to own a home with space and charm in a desirable setting.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1903
Materials
- Foundation: Block
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Electric Range,Gas Water Heater,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Den,Separate/Formal Dining Room,Separate/Formal Living Room,Pull Down Attic Stairs,Bedroom on Main Level
- Window features: Thermal Windows
- Flooring: Hardwood,Varies,Vinyl
- Attic: Pull Down Stairs
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,414
- Total interior livable area: 1,414 sqft
Property
Details
- Parcel number: 22180000300000041120000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Open,Porch
- Exterior features: Blacktop Driveway
Lot
- Lot size: 7,348 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 42 x 175
Parking
- Total spaces: 1
- Parking features: Detached,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
- Winter Weather
- Cold Wave
- 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 | $934 | $11,208 |
| Home Insurance * | $96 | $1,152 |
| Property Taxes | $203 | $2,436 |
| Electricity | $246 | $2,954 |
| Total | $1,479 | $17,748 |
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 |
|---|---|---|
| 2026-08-08 | Contingent | $184,900 |
| 2026-07-17 | Price change | $184,900 |
| 2026-07-08 | Listed for sale | $189,000 |
| 2026-05-06 | Contingent | $189,000 |
| 2026-04-19 | Listed for sale | $189,000 |
| 2021-12-16 | Sold | $159,000 |
| 2021-10-26 | Pending sale | $159,000 |
| 2019-12-31 | Sold | $130,700 |
| 2019-10-07 | Pending sale | $142,000 |
| 2019-09-11 | Listed for sale | $142,000 |
| 2017-12-01 | Sold | $105,000 |
| 2017-10-13 | Price change | $112,000 |
| 2017-09-30 | Price change | $119,900 |
| 2017-09-20 | Price change | $124,900 |
| 2017-09-08 | Price change | $129,900 |
| 2017-08-25 | Price change | $135,000 |
| 2017-08-09 | Listed for sale | $139,900 |
| 2016-12-30 | Listing removed | $129,900 |
| 2016-11-04 | Listed for sale | $129,900 |
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