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17480 County Route 59, Dexter, NY, 13634

3beds
2baths
1,296sqft
$437,000
$337price/sqft
$3,072/moest. monthly cost
$122,880/yrincome needed

About This Home

Welcome to this charming waterfront Cape Cod home set on approximately two scenic acres. This inviting property features a large foyer, huge living room, with the comfort of a pellet stove for the cold days and three bedrooms and two full bathrooms, including a convenient first-floor primary bedroom, offering comfort and flexibility for a variety of lifestyles. The second floor offers additional flexible space that could easily be converted into a fourth bedroom, home office or hobby room to suit your needs and also has a large landing as additional space. The laundry area is located on the first floor. Enjoy beautiful water views and the tranquility of nature, with abundant wildlife often seen throughout the property from all the large windows at all angles or sit outside on the new front deck, complete with pergola. Outside, the property includes a spacious two-story garage, providing plenty of room for vehicles, storage, or a workshop, and a second story for additional space. Walk across the street to your own waterfront that includes a deck area to enjoy the waterfront living. Make your appointment now to enjoy waterfront living!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

--
Dexter Elementary SchoolGrades PK-24.4 mi
6/10
Brownville SchoolGrades 3-67.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2004

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Blown-In Insulation,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Gas Oven,Gas Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Entrance Foyer,Eat-in Kitchen,Separate/Formal Living Room,Pantry,Bedroom on Main Level,Convertible Bedroom,Bath in Primary Bedroom,Main Level Primary,Programmable Thermostat
  • Flooring: Laminate,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,296
  • Total interior livable area: 1,296 sqft

Property

Details

  • Parcel number: 2226890800000001031400
  • Special condition: Standard

Features

  • Patio & porch: Open,Porch
  • Exterior features: Gravel Driveway,Propane Tank - Leased
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Beach Access,Bayfront
  • Waterbody name: Black River Bay
  • Frontage length: 176

Lot

  • Lot size: 1.99 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 176 x 35

Parking

  • Total spaces: 2
  • Parking features: Detached,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 $2,209$26,508
Home Insurance *$137$1,644
Property Taxes $480$5,760
Electricity $246$2,954
Total$3,072$36,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,325/yr
40% on housing$92,160/yr
45% on housing$81,920/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

$337This listing

vs Other Active Listings

Avg $/sqft

ZIP 13634$176
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13634$228
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
2026-04-30Price change$437,000
2026-03-05Listed for sale$457,000
2019-08-16Sold$270,000
2019-07-01Pending sale$279,000
2019-06-29Listed for sale$279,000
2017-05-17Sold$245,000
2017-04-10Pending sale$249,900
2017-03-20Price change$249,900
2017-02-28Price change$257,000
2016-09-02Listed for sale$259,900

For Sale by Agent

AgentDiana Mullen
BrokerageBridgeview Real Estate

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