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908 19th Street, Watervliet, NY, 12189

6beds
3baths
2,880sqft
$325,000
$113price/sqft
$2,690/moest. monthly cost
$107,600/yrincome needed

About This Home

Prime Watervliet Triplex: 3-Unit Income Property in Mixed-Use Zone 908 19th St, Watervliet, NY 12189 Owner Occupied | 🏢 3 Units | 🛏️ 6 Beds Total | 🚿 3 Baths Discover a rare opportunity to own a fully functional triplex in the heart of Watervliet! This 2,880 sq. ft. multi-family property offers immediate income potential with three distinct units, perfect for an owner-occupant looking to subsidize their mortgage or an investor seeking stable cash flow. Unit Breakdown & Layout • Upstairs Unit: Spacious 3-bedroom, 1-bath residence with ample living space. • Rear Unit: Comfortable 2-bedroom, 1-bath apartment with private access. • Front Unit: Efficient 1-bedroom, 1-bath unit ideal for a single tenant or studio setup. Key Features • Generous Living Space: Totaling 2,880 sq. ft. across three stories, ensuring no compromises on comfort. • Parking Perks: Enjoy convenient off-street parking and a dedicated rear driveway, a valuable asset in this area. • Zoning Advantage: Located in Mixed-Use 2 (M-2) zoning, offering flexibility for future commercial or residential adaptations. • Lot Size: Situated on a 0.11-acre lot, balancing density with privacy. • Utility Efficiency: Property features separate meters for power and gas, allowing tenants to manage their own utility costs.

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Rubber
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other
  • Property subType: Triplex,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Vinyl,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 2,880

Heating & Cooling

  • Heating features: Hot Water,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,880
  • Total interior livable area: 2,880 sqft

Property

Details

  • Parcel number: 011800 32.5811
  • Attached to another structure: Yes
  • Zoning description: Mixed
  • Special condition: Standard

Features

  • Exterior features: Other
  • Fencing: None

Lot

  • Lot size: 4,791 sqft

Parking

  • Total spaces: 5
  • Parking features: Off Street,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

No climate risk data available.

How This Home’s Risks Compare

FEMA Declared Disasters in Albany County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,643$19,716
Home Insurance *$112$1,344
Property Taxes $460$5,520
Electricity $475$5,711
Total$2,690$32,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,228/yr
40% on housing$80,700/yr
45% on housing$71,733/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: -5.7%
-5.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 12189$166
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12189$216
Albany County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-08Pending sale$295,000
2026-08-05Price change$295,000
2026-07-20Listed for sale$325,000
2019-01-17Listing removed$795
2018-12-06Listed for rent$795

For Sale by Agent

AgentJoanne Bongalo
BrokerageKW Platform

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