10 Lancaster St, Cherry Valley, NY, 13320
About This Home
A Spacious and airy 2 family in the Historic Village of Cherry Valley, just minutes from Cooperstown, NY. This property offers off street parking, a lovely back yard and... a way to help pay the mortgage if you choose to live and rent. Originally a single family home built in the late 1800's, and used as a Tech Office for the past 40 years, this investment property has had many upgrades: rubber roof, replacement windows, additional insulation and most recently a remodeled kitchen and bathroom. The essential floorpan is the same both downstairs and upstairs: Two very large rooms with lots of natural light in the front of the building on either side of the central staircase with a kitchen/dining/bath area behind the front rooms along the width of the back of the building. The Downstairs apartment offers a sunny back deck overlooking the back yard off the dining area. The Upstairs unit could be used as a 2 bedroom if desired. Building needs some routine maintenance.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1880
Materials
- Roof: Flat
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Full,Unfinished,Walk-Out Access
Bedrooms & Bathrooms
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Hardwood,Carpet,Laminate,Linoleum
- Finished area above ground: 2,028
Heating & Cooling
- Heating features: Electric,Propane,Baseboard,Forced Air
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 2,028
- Total interior livable area: 2,028 sqft
Property
Details
- Parcel number: 58.14157.00
- Lease amount: 0
Features
- Stories: 2
- Patio & porch: Deck
- Has view: Yes
- View description: Street
- Frontage length: 0
Lot
- Lot size: 9,147 sqft
- Features: Trees
Parking
- Parking features: Driveway
- 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
- Cold Wave
- Inland Flooding
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Otsego County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $909 | $10,908 |
| Home Insurance * | $363 | $4,356 |
| Property Taxes | $230 | $2,760 |
| Electricity | $335 | $4,021 |
| Total | $1,837 | $22,044 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-12-18 | Listed for sale | $180,000 |
| 2025-10-17 | Listing removed | $180,000 |
| 2025-08-25 | Listed for sale | $180,000 |
| 2003-11-12 | Sold | $60,000 |
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