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1302 County Highway 44, Franklin, NY, 13775

3beds
2baths
1,742sqft
$475,000
$273price/sqft
$3,451/moest. monthly cost
$138,040/yrincome needed

About This Home

This exceptional RANCH HOME, situated on 42 ACRES of OPEN FIELDS and HARDWOODS, offers a peaceful retreat with SPECTACULAR VIEWS. The expansive property includes a 30x30 POLE BARN with electric, a cozy heated HUNTING CABIN, stone walls, and fenced garden areas. Inside you’ll find three spacious bedrooms and two bathrooms, including a BRIGHT SUNKEN KITHCEN with a large ISLAND that opens perfectly to the family and dining rooms. Living room has beautiful views right from your couch! There’s even a versatile addition—perfect for a sunny ART STUDIO or OFFICE—complete with an ELEVATOR for easy garage access. The PRIMARY SUITE is appointed with DOUBLE CLOSETS and a spacious bathroom featuring DOUBLE SINKS, a SOAKING TUB, and shower. FIRST FLOOR LAUNDRY room provides added convenience with wash sink and storage. This home also features CENTRAL A/C, GAS HEAT, METAL ROOF, OPEN PORCH and a spacious DECK to relax and enjoy those stunning views. The basement is huge with HIGH CEILINGS for great WORKSHOP SPACE, STORAGE and ample SPACE FOR EQUIPMENT, separate from the ATTACHED TWO CAR GARAGE. The surrounding land is ideally suited for HORSES, HUNTING, or ATV’S. Conveniently located within 10 minutes from Interstate 88, 5 minutes to Unatego school, 15-20 minutes from Oneonta and approximately 3.5 hours from NYC. Schedule your showing today to view this awesome home and to see all it has to offer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
9/10
Unatego Middle SchoolGrades 6-81.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2000

Materials

  • Foundation: Poured
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Propane Water Heater,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Den,Eat-in Kitchen,Kitchen Island,Kitchen/Family Room Combo,Storage,Skylights,Bath in Primary Bedroom,Main Level Primary,Workshop
  • Window features: Skylight(s)
  • Flooring: Carpet,Laminate,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,742
  • Total interior livable area: 1,742 sqft

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 96.121.1
  • Special condition: Estate
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Blacktop Driveway,Dirt Driveway,Deck,Propane Tank - Owned
  • Horses can be raised: Yes

Lot

  • Lot size: 42 Acres
  • Features: Irregular Lot,Secluded
  • Lot size dimensions: 275 x 2463

Parking

  • Total spaces: 3
  • Parking features: Underground,Workshop in Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Winter Weather

FEMA Declared Disasters in Delaware 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 $2,401$28,812
Home Insurance *$213$2,556
Property Taxes $550$6,600
Electricity $287$3,454
Total$3,451$41,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,320/yr
40% on housing$103,530/yr
45% on housing$92,026/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: 3.7%
3.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$273This listing

vs Other Active Listings

Avg $/sqft

ZIP 13775$179
Delaware County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 13775
Delaware County$191

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
2026-08-07Price change$465,000
2026-06-16Listed for sale$475,000

For Sale by Agent

AgentChristine Keto
BrokerageOneonta Realty, LLC

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