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125 N Main Avenue, Albany, NY, 12206

4beds
1baths
1,178sqft
$239,900
$204price/sqft
$1,963/moest. monthly cost
$78,520/yrincome needed

About This Home

Welcome to this single family home (townhouse style/common wall) it features 4 spacious BEDS, 1 BATH, Living, Dining Room, Updated kitchen with gas stove and granite countertops. Enjoy both front and rear porches, plus a dedicated two-car parking area. Convenient location in Albany, near the High School, U Albany, easy access to I-90 and I-87, public transit runs along nearby main roads.

Getting Around

82
WalkingVery Walkable
58
TransitGood Transit
76
BikeVery Bikeable

Schools

4/10
4/10
Albany High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Microwave,Refrigerator
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,178

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Natural Gas,Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,178
  • Total interior livable area: 1,178 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 010100 64.44324
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Front Porch
  • Exterior features: Lighting

Lot

  • Lot size: 1,742 sqft
  • Features: Level,Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Off Street,Paved,Driveway
  • Has uncovered spaces: Yes

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
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
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 $1,213$14,556
Home Insurance *$165$1,980
Property Taxes $339$4,068
Electricity $246$2,954
Total$1,963$23,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,302/yr
40% on housing$58,890/yr
45% on housing$52,346/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 12206$161
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
2026-04-29Listed for sale$239,999
2025-05-12Listing removed$189,900
2024-12-17Listed for sale$189,900
2024-11-26Listing removed$189,900
2024-11-17Listed for sale$189,900
2023-07-21Sold$100,170
2021-07-29Listing removed--
2021-07-13Listed for rent$1,495
2020-02-07Listing removed$1,350
2020-01-16Listed for rent$1,350
2019-10-07Listing removed$1,450
2019-09-08Price change$1,450
2019-07-29Listed for rent$1,580
2017-08-08Sold$160,780
2017-03-16Listing removed$195,000
2017-02-21Listed for sale$195,000
2011-03-17Listing removed$1,350
2010-12-22Price change$1,350
2010-11-17Listed for sale$1,400
2002-12-27Sold$67,310

For Sale by Agent

AgentMariana DeLuca
BrokerageHoward Hanna Capital Inc

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