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20 Forest Avenue, Albany, NY, 12208

3beds
2baths
1,228sqft
$299,900
$244price/sqft
$2,149/moest. monthly cost
$85,960/yrincome needed

About This Home

This beautifully updated home blends classic architecture with thoughtful modern improvements. High ceilings, refinished hardwood floors (2020), wood moldings, built-in shelving, and jewel-toned paint colors create a warm, inviting atmosphere full of character. The kitchen has been opened up to maximize natural light and improve the flow for everyday living and entertaining. The enclosed front porch extends the living space from spring through fall and provides convenient storage during the winter. Outside, enjoy a fully fenced backyard complete with a patio and pergola--an ideal setting for relaxing, gardening, or gathering with friends. A walk-up attic offers easy-access storage, and the home's walkable location puts neighborhood restaurants, shops, and local favorites just a short stroll away. Behind the scenes, you'll find numerous significant updates that provide peace of mind, including a roof less than 10 years old, replacement windows, a new electrical service and panel (2019), conversion from oil to a high-efficiency condensing natural gas boiler (2019), new gutters (2022), and an energy-efficient heat pump water heater (2022). If you're looking for a home with classic Albany character, modern efficiency, and a location that lets you enjoy everything the neighborhood has to offer, this one is not to be missed.

Getting Around

79
WalkingVery Walkable
40
TransitSome Transit
70
BikeVery Bikeable

Schools

7/10
4/10
Albany High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1923

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Double Oven,Electric Water Heater,Gas Oven,Range,Refrigerator,Washer/Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • High Speed Internet,Ceiling Fan(s),Ceramic Tile Bath
  • Door features: Storm Door(s)
  • Window features: Screens,Window Treatments,Curtain Rods,Drapes
  • Flooring: Tile,Vinyl,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,228

Heating & Cooling

  • Heating features: Hot Water,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,228
  • Total interior livable area: 1,228 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 010100 75.35352
  • Special condition: Standard

Features

  • Patio & porch: Enclosed,Front Porch,Patio
  • Exterior features: Lighting
  • Fencing: Chain Link,Privacy

Lot

  • Lot size: 3,049 sqft
  • Features: Level

Parking

  • Total spaces: 4
  • 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

No climate risk data available.

How This Home’s Risks Compare

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 $1,516$18,192
Home Insurance *$118$1,416
Property Taxes $269$3,228
Electricity $246$2,954
Total$2,149$25,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,680/yr
40% on housing$64,470/yr
45% on housing$57,306/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

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 12208$175
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12208$197
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$289,900
2026-08-11Price change$289,900
2026-07-30Listed for sale$299,900
2019-01-31Sold$140,000
2018-12-13Pending sale$137,500
2018-11-14Listed for sale$137,500
2006-02-23Sold$85,000
AgentPatrick J McSharry
BrokerageMcSharry and Associates Realty

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