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14 S Main Street, Salem, NY, 12865

5beds
3baths
0sqft
$169,000
--price/sqft
$1,490/moest. monthly cost
$59,600/yrincome needed

About This Home

Restoration enthusiasts take note! This former 3200+ sq ft home was signifcantly damaged by fire. It was not deemed to be a tear down by the insurance company. Restore this to its 5- 6 bdrm 2.5 bath beauty which sits on 3.92 acres. Lovely screened in back porch. The Carriage barn is stunning and has much potential. Hold harmless required before viewing the property and cash only transaction

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

6/10
Salem Elementary SchoolGrades PK-60.9 mi
7/10
Salem High SchoolGrades 7-120.9 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1900

Materials

  • Roof: Slate
  • Construction materials: Fiber Cement,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 0

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 0

Kitchen

  • Level: First

Property

Details

  • Parcel number: 534800 209.166
  • Special condition: Standard

Features

  • Has view: Yes

Lot

  • Lot size: 3.92 Acres
  • Features: Level,Meadow,Views,Cleared

Parking

  • Total spaces: 4
  • Parking features: Circular Driveway,Detached,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 $854$10,248
Home Insurance *$147$1,764
Property Taxes $243$2,916
Electricity $246$2,954
Total$1,490$17,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,085/yr
40% on housing$44,700/yr
45% on housing$39,733/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 12865$174
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
2026-04-29Listed for sale$169,000
2023-10-23Sold$275,000
2023-09-27Pending sale$275,000
2023-09-23Listed for sale$275,000

For Sale by Agent

AgentPenny M Spiezio
BrokeragePennyDot Realty

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