3 Cliff St, Gilbertsville, NY, 13776
About This Home
Welcome to a rare opportunity in the heart of historic Gilbertsville! Situated on nearly 2 acres across three separate parcels, this well-maintained property offers a unique combination of residential comfort, historic significance, and endless potential. The spacious 5-bedroom home features two updated full bathrooms, an updated kitchen, beautiful living spaces, and a cozy fireplace perfect for relaxing evenings. The home has been lovingly maintained and includes updated electrical service along with two newer heating systems utilizing both oil and coal, providing flexibility and efficiency throughout the seasons. Included in this exceptional offering is the historic Gilbertsville Academy, an iconic local landmark with a roof less than 10 years old. Rich in history and character, the Academy adds a truly distinctive element to the property and presents exciting possibilities for future use, subject to local approvals. Also included is a large workshop/garage building offering ample space for hobbies, storage, equipment, or projects, as well as an additional parcel located across the street. Positioned on a prominent corner lot, the property provides excellent access, visibility, and open space rarely found within the village. Whether you're looking for a spacious residence, a property with historical charm, room for hobbies and storage, or simply a one-of-a-kind investment in one of Central New York's most picturesque communities, 3 Cliff Street delivers a truly unique offering. Experience the beauty, history, and possibilities that await in Gilbertsville.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1810
Materials
- Foundation: Block,Stone
- Roof: Asphalt
- Construction materials: Attic/Crawl Hatchway(s) Insulated,Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial,Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Range,Built-In Oven,Dishwasher,Electric Water Heater,Gas Cooktop,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Features
- Country Kitchen,Natural Woodwork
- Flooring: Ceramic Tile,Hardwood,Varies
- Number of fireplaces: 1
- Fireplace: Yes
Heating
- Heating features: Coal,Oil,Multiple Heating Units
Interior Area
- Total structure area: 2,400
- Total interior livable area: 2,400 sqft
Property
Details
- Parcel number: 36220128200500010090000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch,Screened
- Exterior features: Blacktop Driveway,Porch
Lot
- Lot size: 1.90 Acres
- Features: Corner Lot,Irregular Lot
- Lot size dimensions: 169 x 156
Parking
- Total spaces: 1
- Parking features: Attached,Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,502 | $30,024 |
| Home Insurance * | $466 | $5,592 |
| Property Taxes | $635 | $7,620 |
| Electricity | $396 | $4,759 |
| Total | $3,999 | $47,988 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-13 | Listed for sale | $495,000 |
| 2020-04-29 | Listing removed | $285,000 |
| 2019-04-29 | Listed for sale | $285,000 |
| 2014-10-01 | Listing removed | $299,000 |
| 2014-09-24 | Listed for sale | $299,000 |
View on Zillow