** Prime Investment Opportunity with Assumable Loan Under 3% — Side-by-Side Duplex, Watertown NY
Unlock exceptional value with this side-by-side duplex situated on a corner lot in the City of Watertown. Whether you’re an investor or an owner-occupant looking to build long-term equity, this property offers rare potential — including an assumable loan with an interest rate under 3%, a tremendous advantage in today’s market.
One unit features 3 bedrooms and 1 bath, while the second offers 2 bedrooms and 1 bath, giving you flexible rental or resale options. The roof is approximately 4 years old (per owner), providing a solid foundation for future improvements.
The property is being sold as-is, where-is. The furnaces are not functional, and the water line may have been damaged during winter (condition unknown). For the right buyer, this is an opportunity to add value and significantly increase returns.
Once refreshed, this duplex is poised to shine—whether as a lucrative flip or a steady, high-performing rental.
You’ll also love the location:
• Straight drive to Fort Drum
• Minutes from Samaritan Medical Center
• Close to two elementary schools
• Quick access to highway entrance/exit
With its strategic location, strong rental demand, and the rare benefit of an assumable sub-3% loan, this property stands out as one of the most compelling investment opportunities in Watertown.
Active
$90,000
Watertown, NY 13601
5beds
1,918sqft
Duplex, Multi Family
Built in 1890
-- sqft lot
$-- Zestimate®
$47/sqft
$-- HOA
What's special
Corner lot
- 236 days
- 60
- 5
Zillow last checked:
Listing updated:
Listed by:
Happily Ever After Realty Corp 315-767-2745,
Sonia Conlin 315-767-2745
Source: NYSAMLSs,MLS#: S1667818
Originating MLS: Jefferson-Lewis Board
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Gas, Forced Air
Appliances
- Included: Electric Water Heater
- Laundry: Washer Hookup
Features
- Ceiling Fan(s)
- Flooring: Carpet, Hardwood, Varies, Vinyl
- Basement: Full
- Has fireplace: No
Interior area
- Total structure area: 1,918
- Total interior livable area: 1,918 sqft
Video & virtual tour
Property
Parking
- Parking features: Gravel, Two or More Spaces, Unpaved
Features
- Levels: Two
- Stories: 2
Lot
- Size: 5,000 Square Feet
- Dimensions: 50 x 100
- Features: Corner Lot, Near Public Transit, Rectangular, Rectangular Lot, Residential Lot
Details
- Parcel number: 22180000300000073160000000
- Zoning description: Residential 2 Unit
- Special conditions: Standard
Construction
Type & style
- Home type: MultiFamily
- Architectural style: Duplex
- Property subtype: Duplex, Multi Family
Materials
- Cedar, Frame
- Foundation: Stone
- Roof: Asphalt
Condition
- Resale
- Year built: 1890
Utilities & green energy
- Electric: Circuit Breakers
- Sewer: Connected
- Water: Connected, Public
- Utilities for property: Cable Available, High Speed Internet Available, Sewer Connected, Water Connected
Community & HOA
Community
- Subdivision: Cowens Rearrangment/Lansi
Location
- Region: Watertown
Financial & listing details
- Price per square foot: $47/sqft
- Tax assessed value: $69,000
- Annual tax amount: $3,438
- Date on market: 3/20/2026
- Cumulative days on market: 13 days
- Listing terms: Assumable,Cash,Conventional,Lender Approval,Rehab Financing
- Tenant pays: All Utilities
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 11/4/2026 | Listed for sale | $90,000$47/sqft |
Source: | ||
| 9/23/2026 | Pending sale | $90,000$47/sqft |
Source: | ||
| 3/26/2026 | Contingent | $90,000$47/sqft |
Source: | ||
| 3/20/2026 | Listed for sale | $90,000-2.2%$47/sqft |
Source: | ||
| 1/22/2021 | Sold | $92,000+2.3%$48/sqft |
Source: | ||
| 1/5/2021 | Contingent | $89,900$47/sqft |
Source: | ||
| 12/21/2020 | Pending sale | $89,900$47/sqft |
Source: Howard Hanna - Watertown #S1191706 Report a problem | ||
| 10/21/2020 | Price change | $89,900-4.9%$47/sqft |
Source: Howard Hanna - Watertown #S1191706 Report a problem | ||
| 9/24/2020 | Listed for sale | $94,500$49/sqft |
Source: Howard Hanna - Watertown #S1191706 Report a problem | ||
| 9/4/2020 | Pending sale | $94,500$49/sqft |
Source: Howard Hanna - Watertown #S1191706 Report a problem | ||
| 12/5/2019 | Listed for sale | $94,500+5.1%$49/sqft |
Source: Howard Hanna - Watertown #S1191706 Report a problem | ||
| 5/8/2019 | Listed for sale | $89,900$47/sqft |
Source: Howard Hanna-Watertown #S1191706 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $69,000 |
| 2024 | -- | $69,000 |
| 2023 | -- | $69,000 |
| 2022 | -- | $69,000 +12% |
| 2021 | -- | $61,600 |
| 2020 | -- | $61,600 |
| 2019 | -- | $61,600 |
| 2018 | -- | $61,600 |
| 2017 | $1,201 | $61,600 |
| 2016 | -- | $61,600 |
| 2015 | -- | $61,600 |
| 2014 | -- | $61,600 |
| 2013 | -- | $61,600 |
| 2012 | -- | $61,600 |
| 2011 | -- | $61,600 |
| 2010 | -- | $61,600 |
| 2009 | -- | $61,600 -5.4% |
| 2008 | -- | $65,100 |
| 2007 | -- | $65,100 +17.9% |
| 2006 | -- | $55,200 +11.5% |
| 2005 | -- | $49,500 |
| 2004 | -- | $49,500 |
| 2003 | -- | $49,500 |
| 2002 | -- | $49,500 |
| 2001 | -- | $49,500 |
| 2000 | -- | $49,500 |
Monthly payment
Climate risks
Neighborhood: 13601
Nearby schools
Schools provided by the listing agent
- High: Watertown Senior High
- District: Watertown
Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.






