CCertihomes
251 Charles Street, Watertown-City, NY 13601

$199,900

3 beds 1 baths 1,440 sqft Built 19279 days on marketActive

About this home

This well-kept home in the City of Watertown is ready for new owners! Featuring 3 bedrooms, a spacious full bathroom, and open concept first floor, this one is move-in ready. You're greeted by an enclosed front porch with lots of room for seating, plus coats & boots in the colder months. A spacious entry opens onto a living & dining room, featuring a sliding glass door out to the deck and backyard with tire swing! The adjacent kitchen includes a bonus mudroom and side entry, with steps down to a full basement. Upstairs you'll find three bedrooms, a huge full bathroom, plus a surprise bonus room hidden on the 3rd floor. All just a short drive to downtown, Fort Drum, I-81, and more! Contact an agent today for details, or to schedule a tour.

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
$2,437/mo

Real estate (PITI + HOA + PMI)
$1,862
Principal + interest$1,283
Property tax + insurance$504
PMI / 2nd mortgage$75
Utilities
$1,117
Heating + cooling$409
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,437/mo TLC
Budget$5,000/mo
Remaining after TLC$2,563/mo
Purchase price
$199,900
Down payment
$9,995 (5%)
Loan amount
$189,905
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1927
Lot size
0.0941 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$3,180
MLS #
S1613031
County
Jefferson

At a glance

Basement

Home features

Appliances
ElectricWaterHeaterGasOvenGasRangeRefrigerator
Interior
LivingDiningRoom
Exterior
BlacktopDriveway
Parking
NoGarage
Flooring
Hardwood, Tile, Varies
Sewer
Connected

Lot features

NearPublicTransit, 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 6/6/2025. Provided courtesy of NNY Homes Inc via Buffalo MLS. Information deemed reliable but not guaranteed.