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6640 State St #5, Bloomfield, NY, 14469

4beds
2baths
3,511sqft
$549,900
$157price/sqft
$4,401/moest. monthly cost
$176,040/yrincome needed

About This Home

Welcome home to this beautifully maintained 1856 residence set on 5 scenic acres along Route 5&20. With over 3,500 sq. ft. of living space, this spacious property blends classic charm with incredible flexibility for multi-generational living, rental income, or hobby farming. Currently configured as a three-unit home, the main level features a large primary living area with timeless woodwork and generous natural light. The in-law suite offers private accommodations with its own entrance—ideal for guests, extended family, or supplemental rental income. The upstairs space provides an additional bedroom suite with a private bath and sitting area. Each level has secure separation and private access, giving every resident both comfort and privacy. Outside, you’ll find two peaceful ponds and a remarkable 3,200 sq. ft. barn—perfect for storage, workshops, small-scale farming, or creative projects. The expansive acreage provides endless outdoor possibilities, from gardening and entertaining to simply enjoying the tranquil country setting. This rare property combines old-world character, income potential, and country serenity—all just minutes from town conveniences. Whether you’re searching for a family estate, an investment opportunity, or a charming home with space to grow, this one-of-a-kind property truly has it all.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
4/10
Bloomfield Middle SchoolGrades 6-82.0 mi
8/10
Bloomfield High SchoolGrades 6,9-122.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1856

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: Aluminum Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique,Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Gas Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Bar,Separate/Formal Dining Room,Separate/Formal Living Room,Home Office,Bedroom on Main Level,In-Law Floorplan
  • Flooring: Carpet,Hardwood,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Electric,Gas,Baseboard,Forced Air,Multiple Heating Units

Interior Area

  • Total structure area: 3,511
  • Total interior livable area: 3,511 sqft

Property

Details

  • Parcel number: 3226890810000001025110
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Blacktop Driveway,Deck

Lot

  • Lot size: 5 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 370 x 590

Parking

  • Parking features: No Garage,Garage Door Opener

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

  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Drought
Hail
Ice Storm
Strong Wind

FEMA Declared Disasters in Ontario County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $2,780$33,360
Home Insurance *$175$2,100
Property Taxes $866$10,392
Electricity $580$6,962
Total$4,401$52,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,891/yr
40% on housing$132,030/yr
45% on housing$117,360/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 14469$191
Ontario County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 14469$182
Ontario County$174

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
2025-10-24Listed for sale$599,900
2023-12-09Listing removed--
2022-10-03Listed for sale$775,000

For Sale by Agent

AgentDavid W. Young
BrokerageThe Young Agency

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