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265 Nine Mile Tree Road, Gloversville, NY, 12078

3beds
2baths
1,700sqft
$499,999
$294price/sqft
$3,727/moest. monthly cost
$149,080/yrincome needed

About This Home

This new construction custom ranch home has 1700 sq feet of single level living space with 3 bedrooms, 2 full baths, and office space. The open concept living space has a modern kitchen featuring Shaker style cabinetry, quartz countertops, under cabinet lighting, tiled backsplash, recessed lighting, and island cooktop. Living area opens to the rear porch via sliding glass doors for a relaxing private exterior space. Oversize energy efficient windows allow lots of natural light throughout the home, complimented with 9-foot ceilings giving an airy, roomy ambience in each room. Walkout basement is insulated and studded out for future finishing with lots of possibilities. Exterior is maintenance free - siding, trim, and decking never need painting. Detached oversize two car garage is 26 x 30 feet. Location is 2.5 miles from Sacandaga Lake and 7.5 miles to the Broadalbin Boat Launch. You will not find a nicer home at this price point! Adjacent lot can be included in the sale if the Buyer desires - price is negotiable. Builder has other plans and locations. Builder will be available at Open Houses to discuss. Open House is scheduled from 2 to 4 on Saturday, 5/9/26.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Drywall,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Range,Range Hood,Refrigerator
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Unfinished,Walk-Out Access

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Solid Surface Counters,Ceramic Tile Bath,Crown Molding,Kitchen Island
  • Door features: Sliding Doors
  • Window features: Double Pane Windows
  • Flooring: Ceramic Tile,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,700

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Propane,Propane Tank Leased
  • Cooling features: None

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,700 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Office

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 173089 136.116
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Composite Deck,Covered,Front Porch
  • Exterior features: None
  • Fencing: None

Lot

  • Lot size: 1.16 Acres
  • Features: Road Frontage,Corner Lot

Parking

  • Total spaces: 8
  • Parking features: Stone,Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Fulton 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 $2,528$30,336
Home Insurance *$245$2,940
Property Taxes $674$8,088
Electricity $280$3,371
Total$3,727$44,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,782/yr
40% on housing$111,810/yr
45% on housing$99,386/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 12078$106
Fulton County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 12078$143
Fulton County$164

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
2026-04-15Listed for sale$595,000
2024-06-21Sold$46,000
2024-05-19Pending sale$48,500
2024-05-14Price change$48,500
2024-03-18Price change$49,900
2023-10-26Listed for sale$50,000
2023-07-10Listing removed--
2023-06-13Listed for sale$50,000

New Construction

AgentGary Squires
BrokerageRoohan Realty

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