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3458 Ray Hill Rd, Andover, NY, 14806

6beds
1baths
1,800sqft
$60,000
$33price/sqft
$760/moest. monthly cost
$30,400/yrincome needed

About This Home

Escape to wide-open space and endless possibility at 3458 Ray Hill Rd. Set on a beautiful, clear, and level 3.6-acre parcel in Andover, this spacious 6-bedroom, 1-bath ranch offers approximately 1,800 square feet of living space and the rare opportunity to enjoy true country living with room to grow, create, and unwind. Surrounded by peaceful rural scenery, the property provides the privacy and open landscape so many buyers are searching for while being conveniently located between Wellsville and Andover. Built in 2015, the home offers a solid foundation for your vision, whether you update over time, or fully reimagine the space. Inside, you’ll find multiple living areas including a living room, dining room, and family room.The six-bedroom layout provides exceptional versatility for larger households, guest accommodations, or creative use of space. The home includes kitchen appliances, making it functional from day one. Outside, the detached garage adds convenience and storage, while the acreage opens the door to countless possibilities—gardening, recreation, hobby farming, or simply enjoying the freedom and privacy of your own land. Whether you’re an investor looking for your next project, a renovator ready to add value, or a buyer dreaming of a quiet country retreat, this property delivers space, setting, and potential in one unique package. Opportunities like this—with acreage, privacy, and flexibility—don’t come along often. Bring your vision and make it your own. Open House Saturday 5/9 11am to 1pm. All are welcome.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
Andover SchoolGrades PK-123.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2015

Materials

  • Foundation: Other,See Remarks
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Appliances Negotiable,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 6

Features

  • Eat-in Kitchen,Separate/Formal Living Room,Bedroom on Main Level
  • Flooring: Carpet,Other,See Remarks,Varies

Heating

  • Heating features: Other,See Remarks,None

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Details

  • Parcel number: 02308922800000010040020000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Dirt Driveway,Deck

Lot

  • Lot size: 3.60 Acres
  • Features: Rectangular,Rectangular Lot,Rural Lot
  • Lot size dimensions: 330 x 475

Parking

  • Total spaces: 1
  • Parking features: Detached,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 $303$3,636
Home Insurance *$42$504
Property Taxes $118$1,416
Electricity $297$3,569
Total$760$9,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,057/yr
40% on housing$22,800/yr
45% on housing$20,266/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

$33This listing

vs Other Active Listings

Avg $/sqft

ZIP 14806$46
Allegany County$114

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)

Price History

DateEventPrice
2026-04-27Price change$60,000
2026-02-04Listed for sale$90,000
2025-11-18Sold$32,000
2025-09-19Listed for sale$180,000
2015-02-03Sold$165,000
2014-09-10Listing removed$29,500
2014-05-20Price change$29,500
2014-05-17Price change$31,000
2013-12-19Listed for sale$269,900

For Sale by Agent

AgentMicah Brady
BrokerageeXp Realty

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