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10702 Route 23a, Prattsville, NY, 12468

2beds
1baths
900sqft
$299,000
$332price/sqft
$2,250/moest. monthly cost
$90,000/yrincome needed

About This Home

This delightful country cottage is a perfect embodiment of a peaceful Catskills retreat in the serene beauty of Upstate New York. Located just a few miles from the prestigious Hunter Mountain Ski Resort, and close to Windham Mountain and Belleayre Mountain, this property is an ideal getaway for ski enthusiasts and nature lovers alike. The cottage itself radiates a warm, inviting ambiance, being fully furnished with a tasteful and rustic decor that complements its charming character. It features a cozy living space, a comfortable bedroom, and a well-equipped kitchen, ready to accommodate all your needs. The expansive deck is a standout feature, offering breathtaking views of the surrounding mountains and overlooking the Schoharie Creekperfect for enjoying mornings or stunning sunsets. One of its unique features is a captivating streamside waterfall, located along the rear accessory suite, providing a picturesque and soothing backdrop.Set on a generous 4-acre plot of wooded forest land, this turn-key property is especially appealing as a starter second home, offering a hassle-free option for immediate enjoyment. This charming cottage represents a unique opportunity to own a slice of the enchanting Catskills region. Its location near the West Kill Brewery adds another layer of attraction, making it not just a peaceful retreat but also a hub for local exploration and enjoyment. If you're seeking a tranquil country life, a family getaway, or a home in a prime location, this property offers it alla blend of natural beauty, convenience, and charm.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Frame,Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other,Water Heater

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Partial

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 900

Heating

  • Heating features: Forced Air,Oil

Interior Area

  • Total structure area: 900
  • Total interior livable area: 900 sqft

Property

Details

  • Parcel number: 128.0034
  • Zoning: RR Rural Res

Features

  • Has view: Yes
  • View description: Creek/Stream,Mountain(s),Trees/Woods,Water
  • Has water view: Yes
  • Water view: Creek/Stream,Water

Lot

  • Lot size: 4.01 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 FloodingRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave

FEMA Declared Disasters in Greene 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 $1,511$18,132
Home Insurance *$147$1,764
Property Taxes $346$4,152
Electricity $246$2,954
Total$2,250$27,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,142/yr
40% on housing$67,500/yr
45% on housing$60,000/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: 2.6%
2.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.4%
-4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 12468$255
Greene County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 12468
Greene County$212

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
2025-08-29Listed for sale$299,000
2025-08-28Contingent$299,000
2025-07-22Price change$299,000
2025-05-07Price change$313,000
2025-01-29Listed for sale$318,000
2024-12-11Listing removed$318,000
2024-07-11Price change$355,000
2024-01-27Listed for sale$365,000
2021-07-26Listing removed--
2021-03-23Listed for sale$269,000
2006-12-27Sold$123,600

For Sale by Agent

AgentJason Dugo
BrokerageDugo Realty

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