522 Cross Street, Watertown City, NY 13601
Jefferson County
Key Facts
Description
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.
Property Information
Property Type
Residential
Sub-Type
Multi Family
Style
Triplex
Year Built
1900
Stories
2
Living Area
1,958 sq ft
Lot Size
0.25 acres
Lot Dimensions
66X165
Days on Market
14
MLS® Listing#
S1676276
Property Features
- Appliances:
- Electric Water Heater
- Cooling:
- Other
- Heating:
- Natural Gas, Electric, Other, See Remarks, Baseboard, Forced Air
- Flooring:
- Carpet, Varies, Vinyl
- Basement:
- Walk-Out Access
- Parking:
- Paved
- Patio:
- Deck, Patio, Covered, Porch
- Lot Features:
- Rectangular Lot
- Construction:
- Vinyl Siding
- Foundation:
- Stone
- Utilities:
- Electricity Available, Electricity Connected, Sewer Connected, Water Connected
- Water Source:
- Public
HOA & Tax
- Annual Tax:
- $2,646
- Assessed Value:
- $91,500
- Parcel #:
- 221800-009-000-0001-209-000-0000
Affordability Calculator
$46,000
Estimated monthly payment
$1,224/mo
Principal $184,000 · Est. interest $256,696 over 30 yrs
Neighborhood Market Statistics
How this home compares to active listings in Watertown City, NY
- $259,286
- Median Listing Price
- 53
- Median Days on Market
- 1,733
- Median Sq Ft
- $129
- Median Price / Sq Ft
- 623
- Active Listings
- This home’s price is 11% below the area median.
- Its price per sq ft is 9% below the area median.
Market statistics compiled from active EXIT Realty® and MLS listings in Watertown City, NY.
Location
- 522 Cross Street, Watertown City, NY 13601
Nearby Schools
Ihc Intermediate School
School · 0.6 mi away
Sherman School
Elementary · 0.8 mi away
New Day Children's Center
School · 0.9 mi away
Immaculate Heart Central Elementary School
Elementary · 1.0 mi away
Immaculate Heart Central School
School · 1.2 mi away
Case Middle School
Secondary · 1.2 mi away
Knickerbocker School
Elementary · 1.2 mi away
Watertown High School
Secondary · 1.3 mi away
Watertown City School District
Secondary · 1.3 mi away
North Elementary School
Elementary · 1.4 mi away
Harold T Wiley School
Secondary · 1.4 mi away
Watertown City School District
School · 1.5 mi away
Starbuck Elementary School
Elementary · 1.5 mi away
Ohio Street School
Elementary · 2.0 mi away
Jefferson-Lewis-Hamilton-Herkimer-Oneida Boces
School · 2.3 mi away
General Brown Elementary School
Elementary · 3.1 mi away
Calcium Primary School
Elementary · 5.3 mi away
General Brown Junior-Senior High School
Secondary · 5.5 mi away
General Brown Central School
School · 5.5 mi away
Dexter Elementary School
Elementary · 6.2 mi away
Commute Calculator
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EXIT Agents in Watertown City
Listing Courtesy: Keller Williams Northern New York - 315-778-6473
Presented by: Noah Taylor
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. This data is deemed reliable by is not guaranteed accurate by the MLS.
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Fair Housing NoticeLast Updated: 2026-04-29