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51 Dewey Rd, Hermon, NY, 13652

2beds
2baths
1,456sqft
$420,000
$288price/sqft
$3,748/moest. monthly cost
$149,920/yrincome needed

About This Home

Lakefront living at the foot of the Adirondacks! The owners currently have this year-round structure set up as a rental. To maximize the number of occupants, the lower level of the two-story dwelling is set up as additional living space. It consists of an open floor plan with washer & dryer and a 1/2 bath. Upstairs is an open concept, modern kitchen, walk-in shower, natural wood vaulted ceilings and amazing water views. The waterfront lot has a beautiful yard with a firepit and easy water access. There is a Generac hardwired to the structure. Take advantage of this rare opportunity to own a slice of tranquility on Trout Lake!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2015

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen,Furnished
  • Flooring: Varies,Vinyl

Heating

  • Heating features: Propane,Wall Furnace

Interior Area

  • Total structure area: 1,456
  • Total interior livable area: 1,456 sqft

Property

Details

  • Parcel number: 40440016104200020060000000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Gravel Driveway
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Trout Lake
  • Frontage length: 60

Lot

  • Lot size: 0.41 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 60 x 296

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters in St. Lawrence County and New York

Flood
Hurricane
Severe Storm
Snowstorm
Tornado
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 $2,123$25,476
Home Insurance *$704$8,448
Property Taxes $675$8,100
Electricity $246$2,954
Total$3,748$44,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,502/yr
40% on housing$112,440/yr
45% on housing$99,946/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: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 13652$104
St. Lawrence County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 13652$33
St. Lawrence County$99

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

DateEventPrice
2026-05-14Price change$470,000
2025-11-21Listed for sale$485,000

For Sale by Agent

AgentBrenda Perrigo
BrokerageCross Keys Real Estate LLC

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