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14 Barney St, Andover, NY, 14806

4beds
2baths
1,796sqft
$119,900
$67price/sqft
$1,222/moest. monthly cost
$48,880/yrincome needed

About This Home

Welcome to this charming 2-story home nestled in the welcoming community of Andover. Offering 4 bedrooms and 1.5 bathrooms, this home combines classic character with extensive modern updates. The beautifully remodeled kitchen showcases granite countertops, custom hardwood cabinetry, a stylish tile backsplash, and durable tile flooring—perfect for both everyday living and entertaining. The first floor has been thoughtfully renovated with completely updated electrical, all-new insulation and drywall, and a newly remodeled full bathroom, providing comfort and peace of mind. Convenient first-floor laundry adds to the home's functionality, while the spacious living and dining area is warmed by a cozy pellet stove, creating an inviting gathering space. Enjoy relaxing mornings on the covered front porch or unwind on the covered rear porch overlooking the backyard. Outside, you'll find a detached garage with electric service, an above-ground pool for summer enjoyment, and plenty of outdoor space for recreation, gardening, or entertaining. Conveniently located in the heart of Andover, this move-in ready home offers a wonderful blend of modern updates, practical amenities, and small-town charm.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
Andover SchoolGrades PK-120.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1940

Materials

  • Foundation: Stone
  • Roof: Asphalt,Shingle
  • Construction materials: Blown-In Insulation,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Built-In Oven,Dishwasher,Electric Cooktop,Gas Water Heater,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Separate/Formal Living Room,Granite Counters,Living/Dining Room,Pantry,Bedroom on Main Level
  • Window features: Thermal Windows
  • Flooring: Carpet,Hardwood,Tile,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Baseboard,Radiant

Interior Area

  • Total structure area: 1,796
  • Total interior livable area: 1,796 sqft

Property

Details

  • Parcel number: 02300121601500010230000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Above Ground
  • Patio & porch: Covered,Porch
  • Exterior features: Fence,Gravel Driveway,Pool
  • Fencing: Partial

Lot

  • Lot size: 0.39 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 104 x 172

Parking

  • Total spaces: 1
  • Parking features: Detached,Electricity,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Lightning
Strong Wind

FEMA Declared Disasters in Allegany 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 $606$7,272
Home Insurance *$84$1,008
Property Taxes $236$2,832
Electricity $296$3,561
Total$1,222$14,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,897/yr
40% on housing$36,660/yr
45% on housing$32,586/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$67This listing

vs Other Active Listings

Avg $/sqft

ZIP 14806$30
Allegany County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 14806
Allegany County$89

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
2026-08-04Pending sale$119,900
2026-07-30Listed for sale$119,900
2002-07-25Sold$45,000

For Sale by Agent

AgentJustine R. Fox
BrokerageEmpire Realty Group

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