Watertown City Homes under $400,000

Watertown City Homes under $400,000

Welcome to Watertown City, New York—a charming gem nestled in Jefferson County that beautifully balances small-town charm with modern conveniences. Known for its rich history and vibrant community spirit, Watertown is the perfect place for families, young professionals, and retirees alike. With its picturesque parks, bustling downtown area, and proximity to the stunning Thousand Islands region, Watertown offers a lifestyle that is both relaxing and invigorating.

One of the most appealing aspects of Watertown is its affordable housing market. For those seeking a home under $400,000, you’ll find a delightful array of options that cater to various tastes and needs. From cozy bungalows and classic colonial homes to contemporary townhouses, Watertown's real estate market is diverse and inviting. Imagine settling into a charming home with a spacious backyard, perfect for family gatherings or quiet evenings under the stars.

The city boasts excellent schools, a thriving arts scene, and ample recreational opportunities, making it an ideal place to raise a family or enjoy a peaceful retirement. With a strong sense of community and numerous local events throughout the year, residents of Watertown take pride in their hometown and the connections they foster.

Whether you’re looking for your first home or a new place to settle down, Watertown City offers an affordable, welcoming environment that’s hard to resist. Discover the warmth and charm of Watertown, where your dream home awaits at a price you can afford!

Newest Watertown City Homes under $400,000

693 Mill Street, Watertown City
$121,900
4 Beds ⋅ 2 Baths ⋅ S1712642 MLS
First time available. This city duplex has been in same family since 1945. There is a private fenced in backyard. The roof has been stripped and re shingled one year ago. The many updated areas in the past have been electric service and vinyl siding . The bathrooms have been updated. also the natural gas forced air furnaces have both been replaced in last five years, The natural gas hot water tanks have also been replaced in last five years. Great to live in one side and rent the other. For the entrepeneur lots of updates to keep expenses low. Seller is retiring from being in rental business . Seller is an Associate Real Estate Broker. HOME WARRANTY APPLIES

693 Mill Street, Watertown City
129 Breen Avenue, Watertown City
$164,900
4 Beds ⋅ 2 Baths ⋅ S1720063 MLS
Welcome home to this 4-bedroom, 1½-bath home with the convenience of first-floor living! The large kitchen is the heart of the home, with plenty of cabinet and counter space for everyday meals and gatherings. Just off the kitchen, the formal dining room is ready for holiday dinners and special occasions. A first-floor bedroom offers flexibility for guests, a home office, or one-level living, and the first-floor laundry and half bath add everyday convenience. Upstairs, three additional bedrooms and full bath provide comfortable space. Outside, enjoy a fully fenced-in yard, perfect for plus a small detached garage for parking or storage. Conveniently located close to shopping, dining, and everyday necessities. Schedule your showing today!

129 Breen Avenue, Watertown City
1506 State Street, Watertown City
$159,000
3 Beds ⋅ 1 Baths ⋅ S1720060 MLS
Welcome home to this beautifully renovated 3-bedroom, 1-bathroom home, offering a fresh, move-in-ready feel with all the right updates. Inside, you’ll find a clean, modern living space complemented by brand-new appliances and thoughtful renovations throughout. Outside, ample parking provides plenty of convenience for residents and guests. Whether you’re looking for your first home or simply a place that’s ready to enjoy without the hassle of major updates, this home is a great opportunity!

1506 State Street, Watertown City
145 Barben Avenue, Watertown City
$214,000
4 Beds ⋅ 1 Baths ⋅ S1719307 MLS
Renovated 4-bedroom and 1- bath home that is centrally located by the hospital, Watertown High School, medical offices and many local stores. The 1st floor offers an entryway with coat closet, living room w/built in bookcase and large picture window, updated galley style kitchen that includes newer cabinets, countertop, appliances and a pantry area, updated full bathroom & 2 bedrooms. Upstairs there are 2 additional bedrooms. The back of the home has an enclosed 3 season porch that leads to a deck/ patio area and has a fully fenced back yard with a shed. Full basement is unfinished but has potential with built in benches and an old bar area plus washer/dryer hook-ups. Parking is behind the house at the back gate of the fenced yard and there is room to add a driveway in the front of the house off from Barben Ave.

145 Barben Avenue, Watertown City
153 Smith Street, Watertown City
$264,900
3 Beds ⋅ 2 Baths ⋅ S1719949 MLS
Welcome home to this well-maintained 3-bedroom, 2-full-bath ranch home with a detached 2-stall garage, situated on a spacious lot featuring mature maple and willow trees. Conveniently located just minutes from restaurants, shopping, the mall, and Interstate 81, yet tucked away on a dead-end street that offers the feel of country living. Pride of ownership is evident from the moment you enter the inviting living room, complete with a wood-burning fireplace. The home features a modern kitchen with an island, formal dining area with sliding glass doors leading to the large back deck, and a separate laundry room. The primary bedroom includes a private bath with a walk-in shower and sunken tub. Two additional bedrooms and another full bath complete the layout. Recent updates include select new windows, new carpeting, new kitchen countertops, fresh interior paint, freshly painted exterior decking, and new gravel in the driveway. If you are looking for single-level living with a spacious yard and a convenient location, schedule your showing before it is gone. The home is connected to public water, public sewer, and natural gas heat.

153 Smith Street, Watertown City
115 Moore Avenue, Watertown City
$179,900
3 Beds ⋅ 2 Baths ⋅ S1719810 MLS
Charming & Turn-Key Near Thompson Park! Welcome to this move-in-ready home situated on Moore Ave in the City of Watertown, just a block from Thompson Park. This well-maintained residence features 3 bedrooms and 2 full bathrooms, newly installed carpeting, and low-maintenance upkeep throughout. Enjoy a bright & cozy living space, a functional kitchen layout, and a manageable yard ideal for easy weekend relaxing. Plus, a full basement and detached garage afford you bonus storage & work space. Walk or bike to Thompson Park to explore 500+ acres of Olmsted-designed trails, scenic overlooks, golf, and Zoo New York — all while staying minutes from downtown Watertown amenities and an easy commute to Fort Drum. Whether you are a first-time homebuyer or looking to downsize without sacrificing quality, this property delivers worry-free living at an affordable price. Contact an agent today for more information, or to schedule a showing!

115 Moore Avenue, Watertown City
320 S Pleasant Street, Watertown City
$219,900
4 Beds ⋅ 2 Baths ⋅ S1719770 MLS
Check out this beautifully redone home on a corner lot near the Park! Three bedrooms upstairs plus a possible 4th downstairs off the living room. It features a naturally lit open floor plan with a large living room with beautiful gas fireplace, dining room and kitchen with plenty of counter space. The first floor also boasts a half bath and laundry room so you don't have to worry about basement laundry! The full bath upstairs is very spacious, and the attic has a full walk-up staircase for easy access to plenty of storage. There have been plenty of updates in the last few years. Most recently, the whole second floor received new flooring, the entire house has been painted, and the staircase sanded and refinished beautifully to enhance the original wood. The sliding glass door leads out to a newly refinished back deck overlooking the fully fenced yard.

320 S Pleasant Street, Watertown City
711 Leray Street, Watertown City
$135,000
4 Beds ⋅ 3 Baths ⋅ S1718156 MLS
Great investment opportunity in Watertown. This two unit duplex offers two separate apartments, providig excellent potential for rental income or owner occupancy. Each unit offers comfortable livingg space with its own kitchen, living areas, bedrooms and bathrooms. Property offers over 15000 sq ft lot with a large back yard. Conveniently located near shopping, restaurants, schools, and local amenities. A solid opportunity for an investor looking to add a multi-family property to their portfolio. School taxes are from 2025 records This property is being sold AS IS.

711 Leray Street, Watertown City
502 Academy Street, Watertown City
$209,900
4 Beds ⋅ 3 Baths ⋅ S1716250 MLS
Opportunity awaits at 502 Academy Street! This duplex offers two separate living spaces, with one unit located on the first floor and the second unit upstairs. Each unit features its own front-door entrance and separate electric meter, offering added convenience for occupants. The second-floor unit is currently tenant occupied at $900/month, providing existing rental income. The owner-occupied first-floor unit features a newly renovated room/bedroom with recessed lighting and includes full access to the basement, providing additional storage and utility space. Whether you're looking to add to your investment portfolio or explore the possibilities of owner-occupied multifamily living, this Watertown property offers flexibility and income potential. Conveniently located near local shopping, dining, schools, and other Watertown amenities. Schedule your showing today!

502 Academy Street, Watertown City
302 Keyes Avenue, Watertown City
$276,000
4 Beds ⋅ 3 Baths ⋅ S1718781 MLS
Historic Victorian in Prime Watertown Location! Step back into an era of unparalleled craftsmanship and timeless elegance with this magnificent 19th-century Victorian home, located in the heart of historic Watertown, New York. Situated just minutes from Public Square, Thompson Park, and the scenic Black River - and a short drive from Fort Drum and the Thousand Islands - this majestic property blends historic grandeur with modern charm. From the moment you approach the grand front porch, the intricate gingerbread trim, and soaring turret signal a home of exceptional character. Step through the heavy double entrance doors into a grand foyer featuring hand-carved woodwork, original stained-glass windows, and a sweeping main staircase. A massive parlor and formal dining room are stitched together with original French pocket doors, with an original butler’s pantry adjacent to the kitchen. Upstairs are 3 spacious bedrooms, including a roomy primary bedroom with dressing closet & en suite bath. A completely finished 3rd floor offers bonus bedroom or living space, with soaring ceilings & skylights that flood the space with light. Located on a private corner with a partially fenced lot and detached carriage house, this property has it all. If you’re ready to write the next chapter is this home’s storied history, contact an agent today to schedule a private tour!

302 Keyes Avenue, Watertown City
867 W Main Street, Watertown City
$149,000
3 Beds ⋅ 2 Baths ⋅ S1718994 MLS
Spacious Two-Story Brick Home, looking for new owner & priced to sell! Very well maintained with thoughtfully enhanced updates & original character, offers 1530 sq.ft. (+/-) of comfortable living space, open front porch, enclosed mudroom entrance for coats & shoes, bright country kitchen opens to dining room, large double living room/parlor, partial bathroom on main level, replacement windows, blinds & drop ceiling. Heading upstairs there is a nice landing area with built in desk, ample closet space, three (3) bedrooms, updated 1 full bath, some natural woodwork, full walk-up attic for additional storage space, natural gas, central air conditioning, public water & septic. Large full unfinished stand-up basement has always been dry, offers both workshop & pantry areas, 200 amp service, updated electrical system, wired for generator, washer & dryer hookups. Recent updates within past few years include: Converted downstairs for aging parents, one floor living, put in ½ bath with step in shower, elevated toilet & LED light (no sink), instillation of laundry area (water & drain) at base of stairs for washer/dryer combination unit, electric outlet upgraded to GFI upon installation, entire attic insulated with R-19 fiberglass insulation, new natural gas water heater in 2024, Natural gas line installed for gas fireplace installed & later capped off at front of house for fireplace that was removed, main staircase carpeted with runner, newer appliances, exterior brick partially re-pointed near rear of house, front roof over door metal roof installed for snow removal purposes, all new deadbolt locks installed 2026, back yard wooden stockade fence cleaned & sealed 2026, living room/middle parlor, upstairs hallway & 3 bedrooms had engineered laminate wood floors installed 2012, central air conditioner serviced 2019 & basement walls sealed 2026. Private partially fenced back yard, nice deck for entertaining, detached 1 car Garage with electricity & workshop area, plus 2nd storage shed for lawnmower & outdoor tools, blacktop driveway, mature trees, shade, plenty of room for gardening & planting flower beds! Affordable convenient location, must see to appreciate!

867 W Main Street, Watertown City
1117 State Street, Watertown City
$259,900
4 Beds ⋅ 2 Baths ⋅ S1712826 MLS
Welcome to 1117 State Street! This charming Watertown home offers a comfortable layout, character, and convenient access to all that the area has to offer. The dining area features beautiful stained-glass windows that add a unique touch and timeless charm to the home. All of the bedrooms are located on the second floor of the home with laundry conveniently located downstairs just off the dining area. The spacious basement provides more space that can easily accommodate a home gym, workshop, hobby area, or additional storage. With a convenient location near shopping, dining, schools, parks, and Fort Drum, this home is a great opportunity for buyers looking for both functionality and character. Whether you're a first-time buyer, relocating to the Watertown/Fort Drum area, or looking for a place to call home, come see all that 1117 State Street has to offer!

1117 State Street, Watertown City
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