Some mornings are just better than others — and when you wake up in this first-floor master suite, step out onto your private deck, and take in the river rolling by, you'll understand why. This 3-bedroom, 2-bathroom home sits right on the Indian River in the Indian River School District, offering a lifestyle that most people only find on vacation. At 1,675 square feet, the layout is comfortable and practical without wasting a single inch. The first-floor master suite is a genuine retreat — updated bathroom with a rainfall shower, and direct access to a large private deck where the river view is yours morning, noon, and night. It's the kind of space that makes you slow down. The kitchen has been updated and is ready for whatever you bring to it — white cabinets, a center island, stainless steel appliances, and updated countertops that make cooking feel less like a chore and more like an event. Both bathrooms have been refreshed, and updated flooring and paint throughout mean this home is truly move-in ready without the move-in price tag. Priced to sell and affordable for what you're getting, this is a rare opportunity to own a riverfront home in the Indian River School District just minutes from Fort Drum. Homes with this combination of location, condition, and value don't come around often in Jefferson County — and they don't sit long when they do. Come see it. You won't need much convincing.
Single-familyProperty Type
1857Year Built
10,454 sq ftLot Size
$137Price/Sq.Ft.
Listing by Joseph Murtha• North Star Real Estate & Property Management
•315-777-4365 (broker)
•northstarre@outlook.com (broker)
Bought with Joseph Murtha• North Star Real Estate & Property Management
Listing by Lake Ontario Realty, LLC, (315) 649-3434
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Rental estimate
Est. $2,211 per month, based on comparable rentals
Sale and tax history for 20 Garden Rd
Sale History
Tax History
Date
Event
Price
CNYIS #S1667972
Jul 14, 2026
Sold
$229,900
$137/sq ft
May 22, 2026
Price Changed
$229,900
$137/sq ft
Mar 28, 2026
Listed
$239,900
$143/sq ft
CNYIS #S1490148
Dec 1, 2023
Sold
$185,000
$110/sq ft
Oct 14, 2023
Relisted
—
Aug 9, 2023
Listed
$179,900
$107/sq ft
Welcome to your dream home! This exquisite 3-bedroom, 2-bathroom home offers a luxurious 1st floor master suite oasis, complete with a stunning large deck that provides breathtaking river views right from the comfort of your bedroom. Every detail has been carefully considered, from the brand-new kitchen and bathrooms to the fresh flooring and paint throughout. Rainfall faucet in the master bedroom. Experience modern elegance with top-of-the-line stainless steel appliances and brand new kitchen with white cabinets and brand new countertops and center island. Conveniently located in close proximity to Fort Drum and local schools, this home perfectly combines comfort, style, and convenience. Don't miss the opportunity to make this remarkable property yours today!
Year
Property tax
Land + Additions
Assessment*
2026
$1,821 (−4.1%)
$16,600 + $49,100
$65,700
2025
$1,899 (+4.8%)
$16,600 + $49,100
$65,700
2024
$1,812 (+6.9%)
$16,600 + $49,100
$65,700
2023
$1,695 (+0.4%)
$16,600 + $49,100
$65,700
2022
$1,688 (+4.6%)
$16,600 + $49,100
$65,700
2021
$1,614 (+3.9%)
$16,600 + $49,100
$65,700
2020
$1,553 (+3.5%)
$16,600 + $49,100
$65,700
2019
$1,500 (−1.6%)
$16,600 + $49,100
$65,700
2018
$1,525 (+2.1%)
$16,600 + $49,100
$65,700
2017
$1,494 (+2.8%)
$16,600 + $49,100
$65,700
2016
$1,454 (−1.9%)
$16,600 + $49,100
$65,700
2015
$1,482 (−2.3%)
$16,600 + $49,100
$65,700
2014
$1,517
$16,600 + $49,100
$65,700
Public record
Beds
3
Baths
1
Stories
1.5
Lot width
103 ft.
Lot depth
130 ft.
Lot size
10,454 Sq. Ft.
Year renovated
—
Sq. Ft.
1,675
Year built
1857
Style
Single Family Residential
County
Jefferson County
APN
225001A0460320001002200
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 21, 2026.
Property details
Parking
Parking
Features: No Garage
Interior
Virtual Tour
Bedroom Information
# of Main Level Bedrooms: 1
Bathroom Information
# of Full Bathrooms: 2
# of Main Level Bathrooms: 2
Room Information
# of Rooms (Total): 6
Room Types: Laundry, Living Room
Basement Information: Crawl Space
Laundry Information
Features: Main Level
Equipment
Appliances: Dryer, Dishwasher, Exhaust Fan, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Range Hood, Washer
Interior Features
Flooring: Carpet, Luxury Vinyl, Varies, Vinyl
Other Features: Breakfast Bar, Ceiling Fan(s), Separate/Formal Dining Room, Separate/Formal Living Room, Kitchen Island, Bath In Primary Bedroom, Main Level Primary, Primary Suite
Exterior
Building Information
Stories (Total): 1
Year Built Details: Existing
Roof Details: Metal, Shingle
Construction Details: Vinyl Siding
Exterior Features
Exterior Features: Deck, Gravel Driveway, Propane Tank - Leased
Patio And Porch Features: Covered, Deck, Porch
Lot Information
Lot Size Area: 0.24
Lot Size Acres: 0.24
Lot Size Dimensions: 103X130
Lot Features: Irregular Lot, Rural Lot
Water Body Name: Indian River
Waterfront Features: River Access, Stream
Property Information
Has View
Foundation Details: Block
Resale
Financial
Assessments and Fees
Assessed Value: $65,700
Tax Information
Annual Tax Amount: $1,898
Utilities
Utility Information
Utilities: Cable Available, Electricity Connected, High Speed Internet Available, Sewer Connected, Water Connected
Electric: Circuit Breakers
Sewer: Connected
Water Source: Connected, Public
Heating & Cooling
Has Heating
Heating: Propane, Forced Air
Public facts
Beds: 3
Baths: 1.0
Sq. Ft.: 1,675
Stories: 1.5
Lot Size: 10,454 square feet
Style: Single Family Residential
Year Built: 1857
Year Renovated: —
County: Jefferson County
APN: 225001A0460320001002200
Home facts updated by county records on Aug 21, 2026
Around this home
Schools
Philadelphia Primary School
Public PreK-3 • Assigned • 0.2mi
5/10
Indian River Middle School
Public 6-8 • Assigned • 1.2mi
7/10
Indian River High School
Public 9-12 • Assigned • 1.0mi
8/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.15% chance of being in a wildfire in next 30 years
1/10 Heat Factor
7 days above 92° expected this year, 15 days in 30 years
1/10 Wind Factor
Minimal risk of severe winds over next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Philadelphia, NY • 13673
Average low and high temperatures (°F)
26
12
28
10
45
26
56
37
64
47
77
58
82
62
80
57
75
53
61
41
45
32
32
16
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
98/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
10.8 hrs
6 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$226,000 – $274,000
Sell confidently with a local market expert in Philadelphia.