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256 Ontario Dr N, Watertown, NY, 13601

4beds
3baths
1,680sqft
$345,000
$205price/sqft
$2,580/moest. monthly cost
$103,200/yrincome needed

About This Home

Location, location, location, Imagine mornings on your furnished three-season patio, coffee in hand, overlooking a private landscaped yard. This home is steps from shopping, schools, and the hospital-offers welcoming spacious rooms, a double step-down living room with a cozy two sided gas fireplace, an eat-in kitchen that opens to the formal dining room, roomy bedrooms with an en-suite.plus a finished lower level with a large rec/game room, fourth bedroom, full bath, and ample storage. Move in and start living.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

3/10
Sherman SchoolGrades K-40.1 mi
7/10
Case Middle SchoolGrades 7-80.5 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1960

Materials

  • Foundation: Block
  • Roof: Architectural,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Exhaust Fan,Electric Oven,Electric Range,Disposal,Gas Water Heater,Microwave,Refrigerator,Range Hood,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Separate/Formal Dining Room,Eat-in Kitchen,Separate/Formal Living Room,Solid Surface Counters,Bedroom on Main Level,Main Level Primary,Primary Suite
  • Flooring: Carpet,Ceramic Tile,Laminate,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Baseboard,Forced Air

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Property

Details

  • Parcel number: 22180001400000091210000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Concrete Driveway,Fully Fenced
  • Fencing: Full

Lot

  • Lot size: 7,601 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 76 x 100

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Jefferson County and New York

Flood
Hurricane
Severe Storm
Snowstorm
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 $1,744$20,928
Home Insurance *$180$2,160
Property Taxes $379$4,548
Electricity $277$3,331
Total$2,580$30,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,457/yr
40% on housing$77,400/yr
45% on housing$68,800/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 13601$113
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13601$138
Jefferson County$126

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
2026-05-07Listed for sale$359,900

For Sale by Agent

AgentSylvia Buckingham
BrokerageFort Drum Real Estate. Com

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