522 Cross Street Watertown City, NY $ 230,000
522 Cross Street
$ 230,000
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522 Cross Street

Watertown City, NY, 13601
$ 230,000
Bedrooms5 Baths3.0 Sq 1,958

Monthly Estimate*

$ 1,416

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Multi-Family Home for sale in Watertown City, NY for $230,000 with 5 bedrooms and 3 full baths. This 1,958 square foot home was built in 1900 on a lot size of 0.25.

Well-maintained and thoughtfully updated 3-unit triplex located in the heart of Watertown, offering a strong investment opportunity with immediate income and additional upside. The property features two well-performing units currently rented—a spacious 2-bedroom downstairs apartment generating $875/month and an exceptionally clean 2-bedroom upper unit bringing in $900/month, both occupied by quality tenants. The third unit, a 1-bedroom apartment on the first floor, is currently vacant and presents an ideal opportunity for owner occupancy or additional rental income. The home has seen several recent improvements, including a newly installed roof on the main structure and tasteful updates throughout. Bathrooms have been refreshed with brand new luxury vinyl plank flooring, and the units offer open, functional layouts that appeal to today’s renters. The back right unit has also been updated with new luxury vinyl flooring and fresh paint, creating a clean and inviting living space, complemented by a small but charming dining area just off of the kitchen. Exterior porches have just been freshly painted in April of 2026, further enhancing the property's curb appeal. Additional highlights include ample off-street parking with a large lot on the left side of the property and additional parking on the right, providing convenience for tenants. The backyard is exceptionally large for a city lot in Watertown, offering added outdoor space that is rarely found in similar properties. Whether you're looking to expand your portfolio or live in one unit while the others offset your expenses, this triplex offers versatility, solid rental history, and long-term value.

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Multi-Family Active

Price

$ 230,000

Bedrooms

5

Full Bath

3

Property Type

Multi-Family

Taxes

$ 2,646

Style

Triplex

Lot Size

0.25

Year Built

1900

Town/City

Watertown City

County/Region

JEFFERSON

MLS | Web ID

S1676276

Features
General
Sewer Connected
Heating Electric Gas Other SeeRemarks Baseboard ForcedAir
Cooling Other SeeRemarks
Utilities ElectricityAvailable ElectricityConnected SewerConnected WaterConnected
Possession CloseOfEscrow
Appliances ElectricWaterHeater
Garage Spaces 0.0
Patio/Porch Features Covered Deck Patio Porch
Architectural Style Triplex
Construction Materials VinylSiding
School District Watertown
Year Built 1900
Stories Count 2
Township Not Applicable
Levels Two
Property Subtype MultiFamily
County Jefferson
Property Type Residential
Rent Includes Other SeeRemarks
Full Baths 3
Status Active
City Watertown City
Senior Community Y/N No
High School District Watertown
Number Of Units Total 3
MLS Area Watertown-City-221800
Lot Size Units Acres
Lot Size Square Feet 10890.0
Year Built Details Existing
Tax Annual Amount 2646.0
Property Condition Resale
Virtual Tour https://www.propertypanorama.com/instaview/syr/S1676276
Standard Status Active
Middle/Junior School District Watertown
Elementary School District Watertown
Tax Assessed Value 91500
TaxOtherAnnualAssessmentAmount 0.0
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Interior
Basement WalkOutAccess
Flooring Carpet LuxuryVinyl Varies Vinyl
Total Fireplaces 0
Total Stories 2
Heating Y/N Yes
Fireplace Y/N No
Half Baths 0
Total Bedrooms 5
Main Level Bathrooms 0
Total Baths 3
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Exterior
Exterior Amenities Deck Patio
Parking Features Paved ParkingAvailable
Lot Features Rectangular RectangularLot ResidentialLot
Water Source Connected Public
Lot Size Area 0.25
Foundation Details Stone
Building Area Total 1958.0
Lot Dimensions 66X165
Lot Size Acres 0.25
Waterfront Y/N No
Number of Separate Gas Meters 2
Number of Separate Electric Meters 3
Road Frontage Type CityStreet
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Internal Only
Street Number 1 522
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* Excluded Features
List By
Keller Williams Northern New York

Broker

(315) 778-6473

Phone

Affordability Calculator

$1,637
Per Month
87%
13%
0%
Monthly Principal & Interest
$1,416
Monthly Property Taxes
$221
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
247479 Elementary School
248093 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
5/13/2026$230,000 -2.13% Price Down
4/29/2026$235,000 Listed Price

Map


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522 Cross Street, Watertown City, NY, 13601 is a Multi-Family Home for sale at $230,000 with 1,958 sqft and a lot size of 0.25. 522 Cross Street has 5 bedrooms, 3.0 baths, and was built in 1900. The property's zip code is 13601 which is in Watertown City, NY