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309 County Road 7, Mc donough, NY, 13801

5beds
2baths
2,979sqft
$259,900
$87price/sqft
$2,345/moest. monthly cost
$93,800/yrincome needed

About This Home

Step back in time and enjoy the charm of this classic 1890 two-story farmhouse set on more than 5 beautiful acres. Offering over 2,900 square feet of living space, this spacious home features 5 bedrooms, original woodwork, gorgeous hardwood floors, and the warmth of a cozy wood stove. Many of the windows have been updated, and the roof is approximately 15 years old, providing added peace of mind. Outside, you'll find a detached 2-car garage, mature apple trees, and mowed walking paths that invite you to explore and enjoy your own private slice of the countryside. Whether you're looking for room to grow, a hobby farm, or simply a peaceful rural retreat, this property offers timeless character, abundant space, and endless possibilities. Call today for your appointment!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

2/10
6/10
8/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Foundation: Stone
  • Construction materials: Blown-In Insulation,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Propane Water Heater,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Features

  • Den,Separate/Formal Dining Room,Eat-in Kitchen,Bedroom on Main Level
  • Flooring: Ceramic Tile,Hardwood,Varies,Vinyl

Heating

  • Heating features: Oil,Forced Air

Interior Area

  • Total structure area: 2,979
  • Total interior livable area: 2,979 sqft

Property

Details

  • Parcel number: 08360014300000010011300000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Gravel Driveway

Lot

  • Lot size: 5.18 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 446 x 480

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage
  • Has garage: Yes
  • 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

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

FEMA Declared Disasters in Chenango 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 $1,314$15,768
Home Insurance *$149$1,788
Property Taxes $390$4,680
Electricity $492$5,907
Total$2,345$28,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,400/yr
40% on housing$70,350/yr
45% on housing$62,533/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$87This listing

vs Other Active Listings

Avg $/sqft

ZIP 13801$44
Chenango County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 13801
Chenango County$110

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
2026-07-24Listed for sale$259,900

For Sale by Agent

AgentKaren E. Cammarata, ABR, RSPS GRI
BrokerageHoward Hanna

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