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127 Main St, Cooperstown, NY, 13326

4beds
3baths
4,183sqft
$699,900
$167price/sqft
$5,349/moest. monthly cost
$213,960/yrincome needed

About This Home

A rare opportunity awaits in the heart of Cooperstown’s historic business district. Situated just steps from Doubleday Field, 127 Main Street offers over 4,200 square feet of versatile mixed-use space, blending retail, office, and residential components with one-of-a-kind outdoor amenities. The first floor features an inviting office or retail space with wood out of Hyde Hall throughout, and bathroom, ideal for a boutique, professional office, or storefront business. The second floor includes a potential office space that has 3 potential offices with a kitchen area break room and a fully upgraded bathroom! On the third floor, a spacious two-bedroom apartment showcases cathedral ceilings and a private back deck overlooking the courtyard and the historic Doubleday Field, providing a rare and beautiful view in the center of the village. The property is approximately 95% renovated, with extensive updates throughout. Recent improvements include new flooring and paint, updated bathrooms with new toilets and vanities, new water heaters, and modern lighting fixtures, switches, and outlets. Exterior enhancements feature a new fence, iron gates leading from Main Street through a stone pathway that opens into a private backyard courtyard—the only green space within Cooperstown’s business district. The courtyard includes multi-tiered stone patios and a storage shed, offering both functionality and charm. This building presents an exceptional opportunity for owner-occupancy, investment, or mixed-use operations, combining strong street presence with modern updates and classic Cooperstown character. With its prime location, historic charm, and flexible layout, 127 Main Street stands out as one of Cooperstown’s most distinctive and desirable commercial properties!

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1980

Materials

  • Foundation: Block,Stone
  • Roof: Flat,Membrane,Rubber
  • Construction materials: Brick,Frame,PEX Plumbing

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Cathedral Ceiling(s),Sliding Glass Door(s),Storage
  • Door features: Sliding Doors
  • Flooring: Carpet,Laminate,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Zoned,Baseboard
  • Cooling features: Zoned,Central Air,Wall Unit(s)

Interior Area

  • Total structure area: 4,183
  • Total interior livable area: 4,183 sqft

Property

Details

  • Parcel number: 36500113100600020050010000
  • Zoning description: Commercial
  • Special condition: Standard

Features

  • Stories: 3
  • Patio & porch: Deck,Patio
  • Exterior features: Deck,Fully Fenced,Patio,Private Yard,See Remarks
  • Fencing: Full

Lot

  • Lot size: 4,356 sqft
  • Features: Irregular Lot
  • Lot size dimensions: 8 x 163

Parking

  • Parking features: No Driveway

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 FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Winter Weather
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Otsego 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 $3,539$42,468
Home Insurance *$221$2,652
Property Taxes $898$10,776
Electricity $691$8,295
Total$5,349$64,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,394/yr
40% on housing$160,470/yr
45% on housing$142,640/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: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 13326$238
Otsego County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 13326$259
Otsego County$153

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)

Price History

DateEventPrice
2026-03-30Price change$699,900
2026-02-18Price change$799,900
2025-12-21Listed for sale$899,900
2023-04-04Sold$345,000

For Sale by Agent

AgentKristen Bellois
BrokerageGlimmerglass Realty Group LLC

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