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979 Washington Avenue, Albany, NY, 12206

5beds
2baths
1,675sqft
$399,999
$239price/sqft
$2,976/moest. monthly cost
$119,040/yrincome needed

About This Home

This is the one you've been waiting for. A stunning 5-bedroom, 1.5-bathroom center hall colonial that has been completely updated from top to bottom -- all the charm of a 1930s classic with every modern upgrade already done for you. From the moment you walk through the door, the character of this home shines. The grand foyer greets you with beautiful marble steps, setting the tone for the quality and craftsmanship found throughout. Gleaming hardwood floors flow through the living room, dining room, and two additional den spaces -- giving you all the room and flexibility you need. The electric fireplace adds warmth and ambiance, while the updated kitchen and baths bring everything you'd expect from a brand new home. Upstairs, five generously sized bedrooms offer plenty of space for the whole family. Outside, you'll find a spacious backyard and a 2-car garage -- a rare find in the city. The full basement adds even more storage and potential. All of this in an unbeatable Albany location -- minutes from I-90, hospitals, schools, and everything the city has to offer.

Getting Around

66
WalkingSomewhat Walkable
52
TransitGood Transit
64
BikeBikeable

Schools

8/10
4/10
Albany High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Oven,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,675

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 1,675
  • Total interior livable area: 1,675 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Office

  • Level: First

Property

Details

  • Parcel number: 010100 64.3514
  • Special condition: Standard

Features

  • Exterior features: None

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Albany 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 $2,022$24,264
Home Insurance *$275$3,300
Property Taxes $403$4,836
Electricity $276$3,321
Total$2,976$35,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,034/yr
40% on housing$89,280/yr
45% on housing$79,360/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: -5.7%
-5.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 12206$159
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12206$134
Albany County$223

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
2026-05-20Listed for sale$399,999
2025-10-08Sold$370,000
2025-06-08Pending sale$349,900
2025-05-29Listed for sale$349,900
2025-03-03Sold$175,000
2025-01-06Pending sale$155,000
2025-01-01Listed for sale$155,000

For Sale by Agent

AgentImran Abdul Qayoom
BrokerageJandali Realty

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