CCertihomes
109 Mill Street, Theresa, NY 13691

$265,000

4 beds 2 baths 2,187 sqft Built 186098 days on marketActive

About this home

Discover the perfect blend of comfort and convenience in this fully renovated 4-bedroom, 2-bathroom home. With an impressive 2187 sqft layout, this home features a stunning open-concept kitchen, dining, and living area, complete with stainless steel appliances and sleek hardwood floors. Enjoy the practicality of a mudroom and an attached garage, enhancing your daily convenience. Nature lovers will revel in the property’s exclusive 133 feet of waterfront on the scenic Indian River, perfect for tranquil mornings. Your new home is designed for all seasons, equipped with new spray foam insulation and a powerful 14, 000 BTU window air conditioner ensuring year-round comfort. Located within walking distance to Theresa Primary School, post office and downtown. The backyard offers a fully fenced area. Offering an assumable mortgage at 5.6% and a seller open to negotiation, this property is not only a peaceful haven but also a smart financial choice. Experience budget-friendly living with municipal power which is reduced electrical costs. Don't miss out on this incredible opportunity—your dream home awaits! Located just 15 minutes from Fort Drum.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$3,057/mo

Real estate (PITI + HOA + PMI)
$2,287
Principal + interest$1,700
Property tax + insurance$488
PMI / 2nd mortgage$99
Utilities
$1,561
Heating + cooling$634
Internet + TV + phone$127
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$127
$3,057/mo TLC
Budget$5,000/mo
Remaining after TLC$1,943/mo
Purchase price
$265,000
Down payment
$13,250 (5%)
Loan amount
$251,750
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Old Style
Year built
1860
Lot size
0.2443 ac
Stories
0
Heating
Propane, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,915
MLS #
S1537645
County
Jefferson

At a glance

Basement
Garage (1)

Home features

Appliances
DryerElectricOvenElectricRangeElectricWaterHeaterDisposalMicrowaveRefrigeratorWasher
Interior
CeilingFansCathedralCeilingsKitchenFamilyRoomComboLivingDiningRoomSlidingGlassDoorsMainLevelPrimaryPrimarySuite
Exterior
BlacktopDrivewayDeckFullyFencedFencePropaneTankLeased
Parking
AttachedGarage
Flooring
Carpet, Varies
Sewer
Connected

Neighborhood — 13691

MetricThis ZIPCountyUSA
Population4,03819,351,094299,088,112
Population Change Since199012.00%8.00%20.00%
Population Density53395
Male2,0709,381,926147,432,321
Female1,9689,969,168151,655,844
Never Married7454,946,39163,775,926
Married1,7577,166,701123,120,365
Separated1501,159,67312,639,686
Widowed1371,110,24515,467,586
Divorced2681,210,44823,075,029
Number Of House Hold1,3377,102,016111,826,380
Average House Hold Size3.012.642.60
Medial Age31.7836.5335.46
Median House Hold Income$40,679$49,847$48,276
Average House Hold Income$46,099$70,032$63,629
P C I$15,384$26,569$24,529
M D I$35,487$42,210$41,133
A T H E$41,467$54,185$50,898
S T R7.75%4.00%
W C J78.43%81.55%77.74%
(Zip) Code
13691

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 5/13/2024. Provided courtesy of eXp Realty via Buffalo MLS. Information deemed reliable but not guaranteed.