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102 Fort Covington St, Malone, NY, 12953

6beds
3baths
2,406sqft
$19,000
$8price/sqft
$529/moest. monthly cost
$21,160/yrincome needed

About This Home

This historic house in the Village of Malone would make a great winter project for a do-it-yourselfer or flipper. The home is structurally sound but has fire and smoke damage. The original configuration was a 5-bedroom house with 1-bedroom apartment. Boiler is approximately 5 yrs old. There is a large, carriage style garage. Property is being sold as-is, where is.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

3/10
Davis Elementary SchoolGrades PK-50.9 mi
3/10
Malone Middle SchoolGrades 6-80.5 mi
4/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1840

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: None

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,406

Heating & Cooling

  • Heating features: Oil
  • Cooling features: None

Interior Area

  • Total structure area: 2,406
  • Total interior livable area: 2,406 sqft

Property

Details

  • Parcel number: 98.79114
  • Zoning: Residential

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 1.05 Acres
  • Features: Back Yard

Parking

  • Total spaces: 2
  • Parking features: Asphalt
  • 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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Winter Weather

FEMA Declared Disasters in Franklin 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 $96$1,152
Home Insurance *$14$168
Property Taxes $22$264
Electricity $397$4,771
Total$529$6,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$18,137/yr
40% on housing$15,870/yr
45% on housing$14,106/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: 4.3%
4.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$8This listing

vs Other Active Listings

Avg $/sqft

ZIP 12953$187
Franklin County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12953$99
Franklin County$117

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
2026-04-24Price change$19,000
2026-02-24Pending sale$19,900
2026-02-04Price change$19,900
2026-01-23Price change$22,000
2025-12-04Price change$27,000
2025-09-12Listed for sale$29,500

For Sale by Agent

AgentRichard Patrie
BrokerageMarshall Realty & Associates

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