




156 Main St, Worcester, NY, 12197
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
Schools
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
- 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 | $450 | $5,400 |
| Home Insurance * | $152 | $1,824 |
| Property Taxes | $114 | $1,368 |
| Electricity | $289 | $3,470 |
| Total | $1,005 | $12,060 |
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 |
|---|---|---|
| 2026-05-13 | Pending sale | $127,000 |
| 2026-03-04 | Listed for sale | $127,000 |
For Sale by Agent
