




402 Arsenal St, Watertown, NY, 13601
About This Home
Affordable home in the City of Watertown offering strong potential and a highly functional layout. The first floor features a spacious front living room, a welcoming front entrance porch, and a large kitchen that flows nicely into the main living space. Tall ceilings and classic woodwork throughout add character that’s hard to find at this price point. This home offers 3 bedrooms and 2 full bathrooms, with one full bath conveniently located on each level. All three bedrooms are well-positioned on the second floor, providing a practical separation of living and sleeping space. While the home is in need of cosmetic updates, the fundamentals are solid. Currently nearly fully carpeted, the interior presents an excellent opportunity to modernize with updated flooring such as luxury vinyl plank and bring your own style to life. The basement has been fully cleared and has remained dry even in the wettest of months, offering clean, usable storage space or additional use. Situated directly on Arsenal Street, this property is as centrally located as it gets—placing you right in the middle of Watertown’s main corridor with immediate access to shopping, restaurants, and everyday conveniences. With the right vision and improvements, this property could be transformed into a great owner-occupied home or a smart investment opportunity.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1915
Materials
- Foundation: Block,Stone
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Historic/Antique
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Gas Water Heater,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Features
- Den,Entrance Foyer,Separate/Formal Living Room,Kitchen/Family Room Combo,Living/Dining Room
- Flooring: Carpet,Varies,Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,119
- Total interior livable area: 1,119 sqft
Property
Details
- Parcel number: 22180000700000052010000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: Blacktop Driveway,Enclosed Porch,Porch
Lot
- Lot size: 1,751 sqft
- Features: Corner Lot,Irregular Lot
- Lot size dimensions: 35 x 50
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
- Winter Weather
- Cold Wave
- Inland Flooding
- 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 | $404 | $4,848 |
| Home Insurance * | $41 | $492 |
| Property Taxes | $88 | $1,056 |
| Electricity | $246 | $2,954 |
| Total | $779 | $9,348 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-06 | Price change | $99,900 |
| 2026-04-21 | Listed for sale | $120,000 |
