CCertihomes
226 Francis Street, Watertown-City, NY 13601

$145,000

4 beds 2 baths 1,694 sqft Built 19173 days on marketActive

About this home

Duplex in the City of Watertown! Each unit features 2 bedrooms & 1 bathroom with an up/down setup. Located on the bend of a quiet city street, it would make a great investment property, or live in one side and let income from the other pay the bills. Conveniently located near Downtown, and just minutes to Fort Drum. Contact an agent day today for details, or to setup a showing.

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
$2,157/mo

Real estate (PITI + HOA + PMI)
$1,486
Principal + interest$930
Property tax + insurance$502
PMI / 2nd mortgage$54
Utilities
$1,267
Heating + cooling$484
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,157/mo TLC
Budget$5,000/mo
Remaining after TLC$2,843/mo
Purchase price
$145,000
Down payment
$7,250 (5%)
Loan amount
$137,750
APR
7.15%

Quick facts

Type
Duplex
Style
Duplex
Year built
1917
Lot size
0.1653 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,616
MLS #
S1609553
County
Jefferson

At a glance

Basement

Home features

Appliances
ElectricWaterHeater
Parking
CommonPaved
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13601

MetricThis ZIPCountyUSA
Population32,79219,351,094299,088,112
Population Change Since1990-7.00%8.00%20.00%
Population Density245395
Male15,6559,381,926147,432,321
Female17,1379,969,168151,655,844
Never Married6,6714,946,39163,775,926
Married12,6197,166,701123,120,365
Separated1,7431,159,67312,639,686
Widowed2,0091,110,24515,467,586
Divorced2,7791,210,44823,075,029
Number Of House Hold12,4717,102,016111,826,380
Average House Hold Size2.532.642.60
Medial Age34.0536.5335.46
Median House Hold Income$33,861$49,847$48,276
Average House Hold Income$44,637$70,032$63,629
P C I$17,680$26,569$24,529
M D I$29,953$42,210$41,133
A T H E$40,488$54,185$50,898
S T R7.75%4.00%
W C J80.27%81.55%77.74%
(Zip) Code
13601

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

Map & walkability

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Listing information last refreshed 5/27/2025. Provided courtesy of NNY Homes Inc via Buffalo MLS. Information deemed reliable but not guaranteed.