CCertihomes
1230 Madison Avenue, Watertown City, NY 13601

$299,000

4 beds 2 baths 1,962 sqft Built 19005 days on marketActive

About this home

Located in the heart of Watertown, this beautiful two-story home offers the best of both city convenience and natural serenity. Directly across from scenic Thompson Park and its golf course, you’ll enjoy direct access to walking trails, lush greenery, and stunning views—right outside your front door. The exterior features a garden bursting with vibrant perennials and timeless charm. Inside, hardwood floors run throughout the home, creating a warm and welcoming atmosphere. A spacious formal dining room is ideal for entertaining, while the generous living room with its cozy gas fireplace invites you to unwind in comfort. The entire home is bathed in natural light and offers picturesque views of the park, making it the perfect spot for a morning coffee or a peaceful evening retreat. Additional space is available with a full attic and a finished basement that features a laundry area and a second full bathroom. Whether you're envisioning a game room, home office, or extra living quarters, this home offers plenty of flexibility to suit your lifestyle. A seamless blend of indoor comfort and outdoor beauty, this well-located property is ready to welcome you home.

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
$3,254/mo

Real estate (PITI + HOA + PMI)
$2,580
Principal + interest$1,918
Property tax + insurance$550
PMI / 2nd mortgage$112
Utilities
$1,389
Heating + cooling$545
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$3,254/mo TLC
Budget$5,000/mo
Remaining after TLC$1,746/mo
Purchase price
$299,000
Down payment
$14,950 (5%)
Loan amount
$284,050
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1900
Lot size
0.1354 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$2,413
MLS #
S1623657
County
Jefferson

At a glance

Basement
Garage (1)

Home features

Appliances
ElectricWaterHeaterSeeRemarks
Interior
GalleyKitchenGreatRoom
Exterior
BlacktopDriveway
Parking
AttachedGarage
Flooring
Hardwood, Varies
Sewer
Connected

Lot features

PieShapedLot, 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 7/18/2025. Provided courtesy of Howard Hanna-Watertown via Buffalo MLS. Information deemed reliable but not guaranteed.