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156 Main St, Worcester, NY, 12197

1beds
3baths
1,750sqft
$89,000
$51price/sqft
$1,005/moest. monthly cost
$40,200/yrincome needed

About This Home

Mixed-use Main Street building featuring retail space on the first floor and a second-floor apartment with separate exterior entrance. The second-floor apartment offers a spacious layout including a living room, eat-in kitchen, two bedrooms, and one full bathroom. Rooms connect in a functional layout with natural light throughout, and hardwood flooring is present in portions of the apartment. The apartment has its own exterior entrance and back deck access overlooking the wooded backyard. The street-level commercial space offers large display windows and an open showroom that flows into additional work and storage rooms toward the rear. A half bathroom is located on the main level. The full basement is partially finished and includes two potential livable areas and an additional half bath, though it requires significant renovation. Basement access is available through the storefront interior and from the rear deck. A multi-level rear deck provides access to the basement, storefront, and second-floor apartment. The backyard is narrow but deep and borders Worcester Heritage Park, offering a unique in-town setting. Located within the Worcester business district with visibility along Main Street. Approximately 20 minutes to Oneonta and 25 minutes to Cooperstown. This property offers flexibility for a business owner to operate downstairs while living upstairs, for an investor to rent one or both spaces, or for conversion to multiple residential units if desired. Being sold as-is and requiring renovation and updating, it presents an opportunity to restore and add value in a visible in-town location with easy access to I-88.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
Worcester SchoolGrades PK-120.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,Two Story,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 3
  • Full bathrooms: 1
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1

Features

  • Eat-in Kitchen,Home Office,Other,See Remarks
  • Flooring: Hardwood,Varies,Vinyl

Heating

  • Heating features: Electric,Forced Air

Interior Area

  • Total structure area: 1,750
  • Total interior livable area: 1,750 sqft

Property

Details

  • Parcel number: 199.1837.02
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Deck

Lot

  • Lot size: 5,227 sqft
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 21 x 194

Parking

  • Parking features: No Garage,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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather

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 $450$5,400
Home Insurance *$152$1,824
Property Taxes $114$1,368
Electricity $289$3,470
Total$1,005$12,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,457/yr
40% on housing$30,150/yr
45% on housing$26,800/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

$51This listing

vs Other Active Listings

Avg $/sqft

ZIP 12197$79
Otsego County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 12197$32
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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Pending sale$127,000
2026-03-04Listed for sale$127,000

For Sale by Agent

AgentStacey L. Camilleri
BrokerageKeller Williams Upstate NY Properties

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