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465 Barlow Road, Gloversville, NY, 12078

2beds
1baths
972sqft
$399,000
$410price/sqft
$2,996/moest. monthly cost
$119,840/yrincome needed

About This Home

Welcome to this Adirondack retreat. Built in 2009, this custom log cabin is a true gem, offering peace, privacy, and seclusion. Crafted with massive pine logs and designed with an open floor plan, the home combines authentic Adirondack charm with modern convenience. The interior features a great room with vaulted ceilings, exposed beams, woodstove and hardwood floors, creating a warm and inviting space. The main level offers two bedrooms and a full bath. Outside, the property has been thoughtfully improved with a new 26x30 garage, storage shed, wood shed, and above-ground pool with deck for summer enjoyment. The landscaped lawn includes an outdoor fireplace, perfect for evenings under the stars—star gazing here is truly spectacular. A newly paved driveway leads to the homesite, which is set well back from the road for total privacy. All of this is located just minutes from Great Sacandaga Lake, Caroga Lake, snowmobile and hiking trails, and other year-round outdoor activities. Do not miss this opportunity.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

--
Kingsborough SchoolGrades PK-28.1 mi
2/10
3/10
Gloversville High SchoolGrades 9-128.8 mi

Construction

Condition

  • Year built: 2009

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer

Basement

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

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood
  • Fireplace features: Wood Burning Stove,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 972

Full Bathroom

  • Level: First

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Baseboard,Forced Air,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 972
  • Total interior livable area: 972 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: 172000 56.119
  • Special condition: Standard

Features

  • Pool features: Above Ground
  • Patio & porch: Front Porch,Porch
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 33.50 Acres
  • Features: Secluded,Mountain(s),Private

Parking

  • Total spaces: 10
  • Parking features: Paved,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $2,017$24,204
Home Insurance *$195$2,340
Property Taxes $538$6,456
Electricity $246$2,954
Total$2,996$35,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,720/yr
40% on housing$89,880/yr
45% on housing$79,893/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

$410This listing

vs Other Active Listings

Avg $/sqft

ZIP 12078$106
Fulton County$165

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)

Price History

DateEventPrice
2025-12-03Price change$399,000
2025-09-29Listed for sale$419,999
2025-09-14Listing removed$429,500
2025-03-14Listed for sale$429,500
2022-09-28Sold$335,000
2022-07-28Contingent$359,000
2022-07-19Price change$359,000
2022-05-21Listed for sale$379,000

For Sale by Agent

AgentWayne Hartard
BrokerageeXp Realty

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