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292 Towne Rd, Pulaski, NY, 13142

1beds
1baths
600sqft
$260,000
$433price/sqft
$2,104/moest. monthly cost
$84,160/yrincome needed

About This Home

Check out this charming cottage nestled along Grindstone Creek! Whether you're searching for a seasonal camp or a full-time residence, this inviting home just outside the Village of Pulaski offers plenty of appeal. Inside, you'll find beautiful natural woodwork, an open kitchen and living area, and a spacious primary bedroom with an attached bath. The property also features a second residence currently used as a rental, ideal for guests or additional income potential. Enjoy peaceful views from the porch overlooking Grindstone Creek—perfect for relaxing after a day outdoors. A newly built 36' x 16' garage with concrete flooring and electric provides ample space for storage, whether you're into snowmobiling, ATVs, or fishing gear. Conveniently located just minutes from I-81, the Village of Pulaski, and renowned fishing on the Salmon River and Lake Ontario, this property offers both tranquility and accessibility.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Resale
  • Year built: 2013

Materials

  • Foundation: Block,Slab
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Cottage
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Kitchen Island,Kitchen/Family Room Combo,Sliding Glass Door(s),Natural Woodwork,Bedroom on Main Level,Bath in Primary Bedroom,Main Level Primary
  • Door features: Sliding Doors
  • Flooring: Hardwood,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Other,See Remarks,Stove

Interior Area

  • Total structure area: 600
  • Total interior livable area: 600 sqft

Property

Details

  • Parcel number: 35200010200000010101200000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Gravel Driveway
  • On waterfront: Yes
  • Waterfront features: Beach Access,River Access,Stream
  • Waterbody name: Grindstone Creek
  • Frontage length: 500
  • Horses can be raised: Yes

Lot

  • Lot size: 2.40 Acres
  • Features: Irregular Lot,Other,See Remarks
  • Lot size dimensions: 281 x 730

Parking

  • Total spaces: 1
  • Parking features: Detached,Electricity,Garage,Storage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters in Oswego County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
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 $1,314$15,768
Home Insurance *$122$1,464
Property Taxes $422$5,064
Electricity $246$2,954
Total$2,104$25,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,137/yr
40% on housing$63,120/yr
45% on housing$56,106/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$433This listing

vs Other Active Listings

Avg $/sqft

ZIP 13142$266
Oswego County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 13142$140
Oswego County$135

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
2026-04-27Listed for sale$260,000
2008-12-04Sold$6,000
2005-11-01Sold$1,250
2002-10-16Sold$446

For Sale by Agent

AgentCaroline Oeschger
BrokerageSalmon River Realty

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