CCertihomes
18883 Woodruff Settlement Road, Watertown Town, NY 13601

$499,000

5 beds 4 baths 2,805 sqft Built 198829 days on marketActive

About this home

Location and Privacy fit the bill regarding this five bedroom up and one in basement contemporary home. There are plenty of bathrooms two down half baths and two full up with one being in spacious master suite. The full large basement offers another bedroom with full bath. There is plenty of opportunity for the interior decorator. The kitchen boasts solid cherry cabinetry with island. For the holidays or everyday a large formal dining room is available. The laundry room is a nice work space. The lot is spacious and house rests comfortably off the road. Lots of possibilities for this custom build.

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
$5,442/mo

Real estate (PITI + HOA + PMI)
$4,635
Principal + interest$3,202
Property tax + insurance$1,246
PMI / 2nd mortgage$187
Utilities
$1,805
Heating + cooling$753
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$5,442/mo TLC
Budget$5,942/mo
Remaining after TLC$500/mo
Purchase price
$499,000
Down payment
$24,950 (5%)
Loan amount
$474,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Contemporary
Year built
1988
Lot size
5 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Well
HOA
Annual tax
$8,194
MLS #
S1619819
County
Jefferson

At a glance

Air conditioning
Fireplace
Basement
Garage (4)

Home features

Appliances
DoubleOvenDishwasherElectricCooktopDisposalGasWaterHeaterRefrigeratorTrashCompactorWaterPurifierOwnedWaterSoftenerOwned
Interior
CeilingFansCathedralCeilingsDenSeparateFormalDiningRoomEntranceFoyerEatInKitchenSeparateFormalLivingRoomHomeOfficeCountryKitchenKitchenIslandPantrySlidingGlassDoorsWalkInPantryNaturalWoodworkWindowTreatmentsBathInPrimaryBedroomMainLevelPrimary
Exterior
BlacktopDriveway
Parking
AttachedGarageCircularDrivewayDrivewayGarageDoorOpener
Flooring
Carpet, Hardwood, Tile, Varies
Roof
Architectural, Shingle
Sewer
SepticTank

Lot features

IrregularLot

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

Open in Google Maps →

Listing information last refreshed 7/9/2025. Provided courtesy of Howard Hanna-Watertown via Buffalo MLS. Information deemed reliable but not guaranteed.