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17980 County Route 189, Adams, NY, 13605

4beds
2baths
2,800sqft
$399,900
$143price/sqft
$3,164/moest. monthly cost
$126,560/yrincome needed

About This Home

Privacy, space, and a home that actually delivers on both — that's the short version. Here's the long one. Set back from the road and surrounded by mature trees, this ranch sits on 4.5 acres where the wildlife outnumbers the neighbors. It's the kind of property that's getting harder to find in Jefferson County, and harder to leave once you're on it. The floor plan is open and generous throughout. You enter through a mudroom that's large enough to function as a fifth bedroom if the need ever arose — but as a mudroom, it's exactly what this area demands. From there the living, dining and kitchen spaces flow together seamlessly, built for the way people actually live and entertain. The kitchen is the centerpiece. Oversized island, white cabinetry with dark wood trim, epoxy countertops, white subway tile, farmhouse sink, stainless appliances, wine fridge and a dedicated pantry. It's well-designed, well-appointed, and the kind of space that sells itself the moment you walk in. Rounding out the main level — a designated laundry room, guest bath, and central air throughout. The primary suite is a legitimate retreat. Oversized enough to accommodate a sitting area or home office, with dual walk-in closets, a custom tile shower and dual vanity. The remaining three bedrooms are all comfortably sized with no compromises. Outside, the 3-car garage handles everything the North Country lifestyle requires, and the whole-house Generac means you're covered when the weather turns. This one checks boxes most buyers don't even think to ask about until they've already missed it. Schedule your showing before your neighbor does!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

7/10
Clarke Middle SchoolGrades 6-83.8 mi
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1971

Materials

  • Foundation: Poured,Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding,PEX Plumbing

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s),Entrance Foyer,Separate/Formal Living Room,Kitchen Island,Living/Dining Room,Pantry,Sliding Glass Door(s),Storage,Solid Surface Counters,Main Level Primary,Primary Suite
  • Door features: Sliding Doors
  • Flooring: Ceramic Tile,Laminate,Varies

Heating & Cooling

  • Heating features: Propane,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 2242001130000002051510
  • Special condition: Standard
  • Other equipment: Generator
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Blacktop Driveway,Patio,Propane Tank - Owned
  • Horses can be raised: Yes

Lot

  • Lot size: 4.50 Acres
  • Features: Irregular Lot,Rural Lot
  • Lot size dimensions: 324 x 474

Parking

  • Total spaces: 3
  • Parking features: Detached,Electricity,Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Ice Storm
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 $2,022$24,264
Home Insurance *$241$2,892
Property Taxes $439$5,268
Electricity $462$5,552
Total$3,164$37,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,480/yr
40% on housing$94,920/yr
45% on housing$84,373/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

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 13605$167
Jefferson County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 13605$137
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
2026-06-02Price change$399,900
2023-02-23Listed for sale$340,000
2023-02-10Sold$340,000
2022-10-06Contingent$340,000
2022-10-05Listed for sale$340,000

For Sale by Agent

AgentJoseph Murtha
BrokerageNorth Star Real Estate & Property Management

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