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286 Pine Grove Rd, Smallwood, NY, 12778

2beds
2baths
1,000sqft
$277,700
$278price/sqft
$2,157/moest. monthly cost
$86,280/yrincome needed

About This Home

Town of Bethel, Smallwood, NY. Urgent sale by Owner "AS IS" don't miss out on this opportunity, all reasonable offers will be considered. Recently upgraded, all new roofing, new toilet and bath flooring, closet flooring, new hot water tanks and flooring, in all rooms non slip laminated flooring. 2 DETACHED HOUSES ON ONE PROPERTY FOR SALE BY OWNER "AS IS" each house has 1 BDR. 1 LVR, 1 full bath, 1 studio kitchen, 2 closets, hallway, 2 decks, 72 in x 80 in. steel double glass and grill French door opens to the deck 7 ft x 16 ft long, steps and ramp to the back yard, electric baseboard heat, electric thermostats in each room, electric range for cooking, refrigerator, cool fresh well water supply 24/7, 1000 gal cement septic tank in between 2 houses underground, 1 house has attached shed door and lock plus under deck enclosed storage area, new non slip laminated flooring, at this time unit one is rented unit 2 newly renovated vacant now, tenants cut grass, pay electric bill, garbage and recycle pickup, snow and ice removal. Property size 112 1/2 ft. x 75 ft. includes 12 1/2 ft. x 172 ft. deep driveway. Total property taxes $ 4500 a year, Home insurance for 2 houses $ 900 a year, wonderful area, Tennis Court and playground, golfing, Mountain Lake swimming lifeguard present, fishing, kayaking walking distance, good schools, shopping malls, skiing, Resort World Casinos and entertainment, Monticello Race Track, all 7 to 15 minutes drive. Special sale price today is $ 277700 for all cash buyers $ 3000 off. For more info call Owner 1-917-683-4176 from 9 AM to 8 PM ET.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
3/10
3/10
Monticello High SchoolGrades 9-125.7 mi

Construction

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Appliances included: Range / Oven,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Carpet,Hardwood,Laminate

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,000 sqft

Property

Features

  • Exterior features: Shingle,Wood
  • Has view: Yes
  • View description: Territorial

Parking

  • Total spaces: 4
  • Parking features: Off-street

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Sullivan 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 $1,404$16,848
Home Insurance *$89$1,068
Property Taxes $418$5,016
Electricity $246$2,954
Total$2,157$25,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,954/yr
40% on housing$64,710/yr
45% on housing$57,520/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -5.2%
-5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 12778$165
Sullivan County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 12778
Sullivan County$209

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
2026-05-06Listed for sale$277,700
2025-05-26Listing removed--
2025-03-20Listed for sale$298,700
2024-03-11Listing removed--
2024-02-19Price change$299,700
2024-01-23Listed for sale$300,000
2023-12-25Listing removed--
2023-09-25Price change$299,997
2023-09-04Listed for sale$320,000
2023-08-19Listing removed--
2023-05-21Listed for sale$299,900
2022-08-26Listing removed--
2022-05-28Price change$299,200
2022-03-30Listed for sale$299,700
2021-03-01Listing removed--
2020-12-03Listed for rent$1,110

For Sale by Owner

AgentProperty Owner

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