CCertihomes
740 Mill Street, Watertown City, NY 13601

$179,900

4 beds 2 baths 1,888 sqft Built 19002 days on marketActive

About this home

Welcome to this beautifully maintained 4-bedroom, 1.5-bath home, thoughtfully designed with character and functionality in mind. Step inside through the inviting mudroom, perfect for keeping shoes and coats organized, and be greeted by a stunning custom kitchen featuring gorgeous cabinetry, tile flooring, coffered ceilings, and exquisite woodwork throughout. The first floor boasts gleaming hardwood floors, spacious living areas, and a convenient half bath with a laundry area, along with a first-level bedroom for added flexibility. You’ll also find a cozy enclosed front porch—ideal for storage or a quiet sitting space. Upstairs, a generous landing offers the perfect spot for a game room, office, or second living area. Three additional well-sized bedrooms and a large full bath complete the upper level. Need more space? The home offers both a full-size attic and basement for endless storage possibilities. Outside, enjoy plenty of parking and an expansive yard for entertaining, along with two storage sheds that convey with the property. This home blends timeless charm with practical features—making it truly move-in ready!

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
$2,286/mo

Real estate (PITI + HOA + PMI)
$1,581
Principal + interest$1,154
Property tax + insurance$360
PMI / 2nd mortgage$67
Utilities
$1,361
Heating + cooling$531
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,286/mo TLC
Budget$5,000/mo
Remaining after TLC$2,714/mo
Purchase price
$179,900
Down payment
$8,995 (5%)
Loan amount
$170,905
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, TwoStory
Year built
1900
Lot size
0.1653 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$1,443
MLS #
S1627724
County
Jefferson

At a glance

Fireplace
Basement

Home features

Appliances
DishwasherFreezerGasOvenGasRangeGasWaterHeaterRefrigerator
Interior
CeilingFansSeparateFormalDiningRoomEntranceFoyerSeparateFormalLivingRoomCountryKitchenPantryNaturalWoodworkConvertibleBedroom
Exterior
DeckEnclosedPorchGravelDrivewayPorch
Parking
NoGarage
Flooring
Carpet, Hardwood, Laminate, Tile, Varies
Roof
Asphalt, 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

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Listing information last refreshed 8/11/2025. Provided courtesy of North Star Real Estate & Property Management via Buffalo MLS. Information deemed reliable but not guaranteed.