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238 Russell Rd, Moira, NY, 12957

5beds
3baths
2,433sqft
$295,000
$121price/sqft
$2,702/moest. monthly cost
$108,080/yrincome needed

About This Home

House sits on a very nice 3.2 acre lot. very well maintained home also includes an attached 2 bedroom apartment that could be leased out to help cover cost of mortgage main house 1324 sq feet with full basement. apartment is 1140 sq ft with full basement.. electric heat on both sides with monitor and fireplace in main house. two car attached garage and 312 sq ft outbuildings. the main hose has an enclosed porch off bedroom that is 192 sq ft and apartment has enclosed porch that is 244 sq ft

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Brushton Grade SchoolGrades PK-62.8 mi
3/10

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Free-Standing Electric Range,Free-Standing Gas Range,Range Hood
  • Laundry features: Electric Dryer Hookup,In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Sump Pump

Bathroom1

  • Features: Laminate Counters
  • Level: First
  • Area: 56
  • Dimensions: 8 x 7

Bathroom2

  • Features: Other
  • Level: Basement
  • Area: 42
  • Dimensions: 7 x 6

Bathroom3

  • Features: Laminate Counters
  • Level: Second
  • Area: 56
  • Dimensions: 8 x 7

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 195
  • Dimensions: 15 x 13

Bedroom1

  • Features: Laminate Counters
  • Level: Second
  • Area: 240
  • Dimensions: 16 x 15

Bedroom2

  • Features: Carpet
  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Bedroom2

  • Features: Carpet
  • Level: Second
  • Area: 96
  • Dimensions: 12 x 8

Bedroom3

  • Features: Carpet
  • Level: First
  • Area: 96
  • Dimensions: 12 x 8

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Features: Hardwood
  • Level: First
  • Area: 104
  • Dimensions: 13 x 8

Features

  • Apartment
  • Window features: Double Pane Windows
  • Flooring: Carpet,Hardwood,Laminate,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,433

Heating & Cooling

  • Heating features: Electric,Fireplace(s)
  • Cooling features: None

Interior Area

  • Total structure area: 4,733
  • Total interior livable area: 2,433 sqft

Kitchen

  • Features: Laminate Counters
  • Level: First
  • Area: 154
  • Dimensions: 14 x 11

Kitchen

  • Features: Hardwood
  • Level: Second
  • Area: 196
  • Dimensions: 14 x 14

Living Room

  • Features: Hardwood
  • Level: First
  • Area: 294
  • Dimensions: 21 x 14

Living Room

  • Features: Hardwood
  • Level: Second
  • Area: 196
  • Dimensions: 14 x 14

Property

Details

  • Parcel number: 106.516
  • Other equipment: None

Features

  • Patio & porch: Enclosed,Side Porch
  • Exterior features: Balcony,Storage
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 3.20 Acres
  • Features: Front Yard,Many Trees

Parking

  • Parking features: Garage Faces Front
  • Has garage: 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

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

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Inland Flooding
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 $1,491$17,892
Home Insurance *$224$2,688
Property Taxes $585$7,020
Electricity $402$4,824
Total$2,702$32,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,640/yr
40% on housing$81,060/yr
45% on housing$72,053/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

$121This listing

vs Other Active Listings

Avg $/sqft

ZIP 12957$111
Franklin County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 12957$116
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
2026-08-13Price change$274,900
2026-06-29Listed for sale$295,000
2025-10-16Listing removed$280,000
2025-09-14Listed for sale$280,000
2025-07-30Pending sale$280,000
2025-07-17Price change$280,000
2025-05-15Listed for sale$295,000

For Sale by Agent

AgentEugene (Gene) Bashaw
BrokerageNorth Country Realty

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