14 Hopkins Point Rd, Fort Covington, NY, 12937
About This Home
Welcome to 14 Hopkins Point Road — a 3,675 sq ft waterfront home on the Little Salmon River with direct boat access to the St. Lawrence. This spacious and thoughtfully updated property offers 3 bedrooms, 3 full bathrooms, and soaring 24-foot cathedral ceilings in the main living area. The home features a large custom kitchen with oak cabinetry, stainless steel appliances, and an oversized island, perfect for entertaining. The expansive living and dining rooms offer abundant natural light and open-concept flow. The primary bedroom includes a private ensuite bathroom with soaking tub. Major updates include a new roof, high-efficiency propane boiler, and whole-home water treatment system. A detached two-stall garage, formerly used as a fully functioning auto repair garage, offers excellent potential for hobbyists, storage, or conversion into a workshop or studio space. Located near the Canadian border, this property combines privacy, space, and scenic waterfront access in a quiet setting. Ideal for full-time living, a seasonal retreat, or income-producing rental property.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1998
Materials
- Foundation: Slab
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Features
- Finished area below ground: 0
- Finished area above ground: 3,675
Interior Area
- Total structure area: 3,675
- Total interior livable area: 3,675 sqft
Property
Details
- Parcel number: 5.16111
- Zoning: Residential
Features
- Stories: 2
- On waterfront: Yes
- Waterbody name: Little Salmon River
- Frontage type: River
Lot
- Lot size: 0.50 Acres
Parking
- Parking features: Garage - Attached
- Has garage: Yes
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
- Ice Storm
- Lightning
- Cold Wave
- Earthquake
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Franklin 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 | $1,491 | $17,892 |
| Home Insurance * | $576 | $6,912 |
| Property Taxes | $356 | $4,272 |
| Electricity | $607 | $7,287 |
| Total | $3,030 | $36,360 |
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 |
|---|---|---|
| 2026-02-25 | Listed for sale | $295,000 |
| 2025-12-04 | Listing removed | $385,000 |
| 2025-06-18 | Price change | $385,000 |
| 2025-06-05 | Listed for sale | $485,000 |
| 2022-09-30 | Sold | $190,000 |
| 2022-08-22 | Pending sale | $249,000 |
| 2022-06-29 | Price change | $249,000 |
| 2022-06-16 | Listed for sale | $259,000 |
| 2022-06-13 | Listing removed | -- |
| 2022-06-01 | Listed for sale | $299,000 |
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