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876 Thompson Street, Schenectady, NY, 12306

3beds
2baths
1,264sqft
$259,900
$206price/sqft
$2,107/moest. monthly cost
$84,280/yrincome needed

About This Home

**OPEN HOUSE** August 22nd from 10-12pm. This charming 3 bedroom, 1.5 bath home is ready for the new owners. Hardwood floors. Eat-in Kitchen plus formal dining room. Mud Room. Detached two car garage. Over 1200 sqft of living space! On a corner lot as well. Call for your personal showing,

Getting Around

70
WalkingSomewhat Walkable
25
TransitSome Transit
47
BikeSomewhat Bikeable

Schools

6/10
Van Corlaer SchoolGrades PK-50.2 mi
2/10
3/10
Schenectady High SchoolGrades 9-123.1 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1917

Materials

  • Foundation: Combination
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • High Speed Internet,Eat-in Kitchen
  • Door features: Storm Door(s)
  • Flooring: Vinyl,Carpet,Hardwood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,264

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,264
  • Total interior livable area: 1,264 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: 421500 48.6833
  • Zoning description: Single Residence
  • Special condition: Other

Features

  • Patio & porch: Porch
  • Fencing: Back Yard

Lot

  • Lot size: 6,098 sqft
  • Features: Level,Cleared,Corner Lot

Parking

  • Total spaces: 4
  • Parking features: Off Street,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in Schenectady 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 $1,314$15,768
Home Insurance *$88$1,056
Property Taxes $459$5,508
Electricity $246$2,954
Total$2,107$25,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,240/yr
40% on housing$63,210/yr
45% on housing$56,186/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: -3.1%
-3.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 12306$218
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12306$202
Schenectady County$188

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
2026-08-05Price change$239,900
2026-06-09Listed for sale$259,900
2019-04-23Listing removed$74,900
2019-04-23Listed for sale$74,900
2019-04-19Sold$70,000
2019-02-04Pending sale$74,900
2019-01-28Listed for sale$74,900
2016-08-02Listing removed$78,000
2016-02-15Price change$78,000
2015-07-06Price change$79,900
2015-07-02Listed for sale$83,000

For Sale by Agent

AgentJoseph Guice
BrokerageHoward Hanna Capital Inc

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