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39-41 Maple St, Afton, NY, 13730

6beds
2baths
2,654sqft
$449,900
$170price/sqft
$3,761/moest. monthly cost
$150,440/yrincome needed

About This Home

Come home to this magnificent 6 bedroom farmhouse sitting on 10 acres bordered by the Susquehanna River in Afton! It is the perfect blend of modernization and history. Inside you will find gleaming tile floors, original hardwood in excellent condition, a finished basement like you have never seen, spacious rooms, a 1st floor bedroom and full bathroom and 5 large bedrooms upstairs and another full bathroom. Lighting fixtures have been updated. Kitchens features a brand new refrigerator and granite countertops, updated cabinets and tile floor as well as vintage stoves. Plus a 2 car detached garage with a recently remodeled 2 bedroom apartment upstairs for guests or extra rental income. (Currently rented). Located right next to lovely Foster Park and convenient to stores and activities. 30 miles from Binghamton, 20 miles from Greene and Raymond Corporation, just over 3 hours to the George Washington Bridge, 18 miles from Chobani.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
Afton Elementary SchoolGrades PK-50.4 mi
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1881

Materials

  • Foundation: Stone
  • Roof: Asphalt,Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Separate/Formal Dining Room,Granite Counters,Country Kitchen,Pull Down Attic Stairs
  • Flooring: Hardwood,Laminate,Tile,Varies
  • Attic: Pull Down Stairs

Heating

  • Heating features: Propane,Hot Water,Radiator(s)

Interior Area

  • Total structure area: 2,654
  • Total interior livable area: 2,654 sqft

Property

Details

  • Parcel number: 289.11.134
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch
  • Exterior features: Gravel Driveway,Propane Tank - Leased
  • On waterfront: Yes
  • Waterfront features: River Access,Stream
  • Waterbody name: Susquehanna River
  • Frontage length: 1436

Lot

  • Lot size: 10 Acres
  • Features: Flood Zone,Irregular Lot,Residential Lot
  • Lot size dimensions: 285 x 1061

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Chenango 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 $2,274$27,288
Home Insurance *$281$3,372
Property Taxes $768$9,216
Electricity $438$5,263
Total$3,761$45,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,948/yr
40% on housing$112,830/yr
45% on housing$100,293/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 13730$1
Chenango County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 13730
Chenango County$110

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
2026-05-09Listed for sale$459,900
2025-12-02Listing removed$434,900
2025-09-23Price change$434,900
2025-07-03Price change$439,900
2025-06-18Price change$449,900
2025-04-17Listed for sale$460,000
2025-02-08Listing removed$472,000
2025-02-01Price change$472,000
2024-10-10Listed for sale$475,000
2022-03-21Sold$270,000
2022-01-19Contingent$289,900
2022-01-19Listed for sale$289,900
2022-01-01Listing removed--
2021-05-24Price change$289,900
2021-01-26Listed for sale$299,900

For Sale by Agent

AgentJanice Smith
BrokerageHoward Hanna

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