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1575 Union Street, Schenectady, NY, 12309

4beds
3baths
1,914sqft
$364,900
$191price/sqft
$2,926/moest. monthly cost
$117,040/yrincome needed

About This Home

Welcome to 1575 Union Street, a beautifully renovated Craftsman-style home that perfectly blends timeless character with modern updates. This move-in ready residence features 4 spacious bedrooms and 3 fully renovated bathrooms, offering plenty of space for today's lifestyle. Step inside to find gleaming hardwood floors throughout, complemented by stylish ceramic tile bathrooms and quality finishes at every turn. The stunning kitchen is the heart of the home, featuring a large center island, ample cabinetry, and an open layout ideal for entertaining. Convenience abounds with first-floor laundry, a first-floor bedroom, and a private primary suite. The inviting living room showcases a wood-burning fireplace with a new liner, creating a warm and welcoming atmosphere. Major improvements provide peace of mind, including new windows, updated mechanical systems, new plumbing, and new electrical throughout. Outside, relax on the oversized front porch and enjoy the charm and curb appeal this classic home offers. Completely renovated from top to bottom, this exceptional property is truly turnkey, simply unpack your bags and move right in!

Getting Around

82
WalkingVery Walkable
28
TransitSome Transit
50
BikeBikeable

Schools

5/10
Howe Elementary SchoolGrades PK-50.1 mi
2/10
Oneida Middle SchoolGrades 6-81.0 mi
3/10
Schenectady High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Block
  • Roof: Shingle,Asphalt
  • Construction materials: Brick,Cedar

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Washer/Dryer
  • Laundry features: In Bathroom,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Ceramic Tile Bath,Kitchen Island
  • Flooring: Ceramic Tile,Hardwood
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,914

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Baseboard,Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,914
  • Total interior livable area: 1,914 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 421500 50.3015
  • Zoning description: Single Residence
  • Special condition: Standard
  • Other equipment: None

Features

  • Patio & porch: Rear Porch,Front Porch
  • Exterior features: None
  • Fencing: Back Yard,Chain Link,Fenced,Perimeter

Lot

  • Lot size: 5,227 sqft
  • Features: Level,Cleared,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Paved,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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Schenectady 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 $1,845$22,140
Home Insurance *$121$1,452
Property Taxes $644$7,728
Electricity $316$3,795
Total$2,926$35,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,320/yr
40% on housing$87,780/yr
45% on housing$78,026/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: -3.1%
-3.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 12309$231
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12309$209
Schenectady County$188

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
2026-08-11Pending sale$364,900
2026-07-25Price change$364,900
2026-07-09Listed for sale$375,000
2024-10-31Sold$349,000
2024-09-05Pending sale$349,000
2024-08-30Price change$349,000
2024-08-15Listed for sale$369,000

For Sale by Agent

AgentJillian Breck
BrokerageHoward Hanna Capital Inc

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