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120 Jersey Ave, Port Jervis, NY, 12771

5beds
0baths
2,196sqft
$450,000
$205price/sqft
$3,574/moest. monthly cost
$142,960/yrincome needed

About This Home

{An Excellent Investment Opportunity} Situated in one of Port Jervis's busiest commercial districts. Both the first and second floors feature independent entrances and separate utility metering (electricity, gas, and water). The first floor is ideally suited for a small retail shop or office; it includes 1.5 bathrooms, a foyer, a living room, a full kitchen, a master bedroom, a secondary bedroom, and a laundry room. The driveway is spacious enough to accommodate two shipping containers or approximately five vehicles. The second floor serves primarily as an apartment and offers a commanding view—allowing you to survey your property from above, much like a king. (The second-floor layout includes a full kitchen, a full bathroom, two master bedrooms, a secondary bedroom, a living room, and a dining room.) The basement is a partial-exposure (walk-out style) level suitable for storage—such as wine barrels or inventory—and houses the natural gas heating system for the first floor as well as a hot/cold water heating system that was newly replaced in 2025.If you are an interested buyer, please demonstrate your financial capability; before scheduling a viewing, kindly email a mortgage pre-approval letter or proof of funds to qq2556063007@gmail.com (to avoid wasting time for both parties).

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

4/10
5/10
5/10

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Piers
  • Roof: Slate

Type & Style

  • Home type: Unknown

Interior

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 5

Features

  • Flooring: Hardwood
  • Fireplace: Yes

Heating

  • Heating features: Electric,Gas,Wood / Pellet

Interior Area

  • Total interior livable area: 2,196 sqft

Property

Details

  • Parcel number: 331300132418

Features

  • Exterior features: Vinyl
  • Has view: Yes
  • View description: Park,Territorial,Water,City,Mountain
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 5,000 sqft

Parking

  • Parking features: Garage - Detached,Off-street

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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange County and New York

Fire
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 $2,275$27,300
Home Insurance *$180$2,160
Property Taxes $757$9,084
Electricity $362$4,354
Total$3,574$42,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,537/yr
40% on housing$107,220/yr
45% on housing$95,306/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: -1.9%
-1.9%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 12771$216
Orange County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 12771$209
Orange County$263

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)

Price History

DateEventPrice
2026-07-27Price change$450,000
2026-04-04Listed for sale$385,000
2026-04-01Listing removed$450,000
2025-09-20Listed for sale$450,000
2023-08-25Sold$240,000
2023-06-16Pending sale$245,000
2023-04-01Listed for sale$245,000
2003-03-12Sold$85,000

For Sale by Owner

AgentProperty Owner

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