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.
Active
$239,900
20 Garden Rd, Philadelphia, NY 13673
3beds
1,675sqft
Single Family Residence
Built in 1857
10,454.4 Square Feet Lot
$-- Zestimate®
$143/sqft
$-- HOA
What's special
Private deckCenter islandStainless steel appliancesRiverfront homeUpdated countertopsRiver rolling byWhite cabinets
- 2 days |
- 275 |
- 12 |
Zillow last checked: 7 hours ago
Listing updated: March 28, 2026 at 02:02pm
Listing by:
North Star Real Estate & Property Management 315-777-4365,
Joseph Murtha 315-777-4365
Source: NYSAMLSs,MLS#: S1667972
Originating MLS: Jefferson-Lewis Board
Originating MLS: Jefferson-Lewis BoardTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 1
Heating
- Propane, Forced Air
Appliances
- Included: Dryer, Dishwasher, Exhaust Fan, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Range Hood, Washer
- Laundry: Main Level
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
- Flooring: Carpet, Luxury Vinyl, Varies, Vinyl
- Basement: Crawl Space
- Has fireplace: No
Interior area
- Total structure area: 1,675
- Total interior livable area: 1,675 sqft
Video & virtual tour
Property
Parking
- Parking features: No Garage
Features
- Patio & porch: Covered, Deck, Porch
- Exterior features: Deck, Gravel Driveway, Propane Tank - Leased
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: River Access, Stream
- Body of water: Indian River
Lot
- Size: 10,454.4 Square Feet
- Dimensions: 103 x 130
- Features: Irregular Lot, Rural Lot
Details
- Additional structures: Shed(s), Storage
- Parcel number: 2250010460320001002200
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Block
- Roof: Metal,Shingle
Condition
- Resale
- Year built: 1857
Utilities & green energy
- Electric: Circuit Breakers
- Sewer: Connected
- Water: Connected, Public
- Utilities for property: Cable Available, Electricity Connected, High Speed Internet Available, Sewer Connected, Water Connected
Community & HOA
Location
- Region: Philadelphia
Financial & listing details
- Price per square foot: $143/sqft
- Tax assessed value: $65,700
- Annual tax amount: $1,898
- Date on market: 3/28/2026
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
Estimated market value
Not available
Estimated sales range
Not available
$1,893/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/28/2026 | Listed for sale | $239,900+29.7%$143/sqft |
Source:  NYSAMLSs #S1667972 Report a problem | ||
| 12/1/2023 | Sold | $185,000+2.8%$110/sqft |
Source: NYSAMLSs #S1490148 Report a problem | ||
| 10/29/2023 | Contingent | $179,900$107/sqft |
Source: NYSAMLSs #S1490148 Report a problem | ||
| 10/14/2023 | Listed for sale | $179,900$107/sqft |
Source: NYSAMLSs #S1490148 Report a problem | ||
| 8/12/2023 | Contingent | $179,900$107/sqft |
Source: NYSAMLSs #S1490148 Report a problem | ||
| 8/10/2023 | Listed for sale | $179,900$107/sqft |
Source: NYSAMLSs #S1490148 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2018 | $1,117 | $65,700 |
| 2017 | $1,117 | $65,700 |
| 2016 | -- | $65,700 |
Find assessor info on the county website
Monthly payment
Estimated monthly payment
All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 13673
Nearby schools
GreatSchools rating
- 5/10Philadelphia Primary SchoolGrades: PK-3Distance: 0.2 mi
- 7/10Indian River Middle SchoolGrades: 6-8Distance: 1.2 mi
- 9/10Indian River High SchoolGrades: 9-12Distance: 1 mi
Schools provided by the listing agent
- District: Indian River
Source: NYSAMLSs. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 13673
- New York
- Jefferson County
- Philadelphia
- 13673
- 20 Garden Rd
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