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28 Vale Street, Salem, NY, 12865

2beds
2baths
1,528sqft
$190,000
$124price/sqft
$1,650/moest. monthly cost
$66,000/yrincome needed

About This Home

Welcome to your New Home! Fall in love with the warmth and charm of this beautifully remodeled 2-bedroom, 2-bath home featuring timeless farmhouse appeal and abundant natural light throughout. Nestled on a quiet street, this move-in-ready gem offers an inviting eat-in country kitchen, first-floor laundry, spacious living and dining rooms, and two generously sized bedrooms. Start your mornings on the large deck with a cup of coffee and enjoy the convenience of a detached 2-car garage. Major updates include new electrical, plumbing, garage roof, and extensive interior renovations. Sold AS-IS.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
Salem Elementary SchoolGrades PK-60.4 mi
7/10
Salem High SchoolGrades 7-120.4 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Slate,Asphalt
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Oven,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Kitchen Island
  • Door features: ENERGY STAR Qualified Doors
  • Window features: Double Pane Windows
  • Flooring: Carpet,Ceramic Tile,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 1,528

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,528
  • Total interior livable area: 1,528 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: 534800 208.8515
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Pressure Treated Deck,Rear Porch,Covered,Deck,Front Porch
  • Fencing: None

Lot

  • Lot size: 0.25 Acres
  • Features: Corner Lot,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Off Street,Paved,Attached,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Cold Wave

FEMA Declared Disasters in Washington 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 $960$11,520
Home Insurance *$165$1,980
Property Taxes $273$3,276
Electricity $252$3,030
Total$1,650$19,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,571/yr
40% on housing$49,500/yr
45% on housing$44,000/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: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 12865$173
Washington County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12865$132
Washington County$137

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
2026-08-05Pending sale$190,000
2026-06-26Listed for sale$190,000
2023-09-21Sold$58,500
2023-09-01Pending sale$64,900
2023-07-30Listed for sale$64,900
2023-07-11Sold$142,435
2004-05-18Sold$65,000
1997-05-16Sold$54,000

For Sale by Agent

AgentHeather Casaw
BrokerageColdwell Banker Prime Properties

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