CCertihomes
314 Franklin Street, Watertown City, NY 13601

$169,900

2 beds 2 baths 1,512 sqft Built 19000 days on marketActive

About this home

PERFECT OPPORTUNITY for an investment property with two apartments, either live in one apartment and have the tenants pay the mortgage or rent out both apartments. The home has been kept in excellent condition and is ready for the next owners. Most windows were replaced within last five years. The downstairs apartment has a front and back entrance and the upstairs apartment uses the front entrance. Both apartments have one bedroom, updated bathroom, updated kitchen and living area. The upstairs unit has an additional room that can be used for whatever is needed. Both kitchens have additional storage space with much welcomed pantries. The washer and dryer hookups in each unit is a plus!

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
$2,141/mo

Real estate (PITI + HOA + PMI)
$1,524
Principal + interest$1,090
Property tax + insurance$370
PMI / 2nd mortgage$64
Utilities
$1,179
Heating + cooling$440
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,141/mo TLC
Budget$5,000/mo
Remaining after TLC$2,859/mo
Purchase price
$169,900
Down payment
$8,495 (5%)
Loan amount
$161,405
APR
7.15%

Quick facts

Type
MultiFamily
Style
Duplex
Year built
1900
Lot size
0.0565 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,864
MLS #
S1626480
County
Jefferson

At a glance

Basement

Home features

Appliances
ElectricWaterHeater
Parking
PavedTwoOrMoreSpaces
Flooring
Carpet, Tile, Varies
Roof
Shingle
Sewer
Connected

Lot features

IrregularLot, 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

Open in Google Maps →

Listing information last refreshed 7/30/2025. Provided courtesy of Bridgeview Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.