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104 2nd Avenue, Albany, NY, 12202

4beds
2baths
1,954sqft
$150,000
$77price/sqft
$1,397/moest. monthly cost
$55,880/yrincome needed

About This Home

Great investment opportunity with big backyard. All Utilities are Separate. Sold as is

Getting Around

64
WalkingSomewhat Walkable
52
TransitGood Transit
29
BikeSomewhat Bikeable

Schools

2/10
Delaware Community SchoolGrades PK-50.7 mi
4/10
Albany High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1880

Materials

  • Roof: Slate
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Duplex,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,954

Heating & Cooling

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

Interior Area

  • Total structure area: 1,954
  • Total interior livable area: 1,954 sqft

Property

Details

  • Parcel number: 010100 76.7245
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Patio & porch: None
  • Exterior features: None

Lot

  • Lot size: 3,920 sqft
  • Features: Cleared

Parking

  • Parking features: None

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
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 $758$9,096
Home Insurance *$105$1,260
Property Taxes $212$2,544
Electricity $322$3,875
Total$1,397$16,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,897/yr
40% on housing$41,910/yr
45% on housing$37,253/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

$77This listing

vs Other Active Listings

Avg $/sqft

ZIP 12202$134
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12202$127
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
2026-06-11Listed for sale$150,000
2024-05-07Listing removed--
2024-04-21Listed for sale$109,000
2024-04-03Pending sale$109,000
2023-12-20Price change$109,000
2023-08-28Listed for sale$130,000
2013-08-16Sold$15,000
2013-06-27Listed for sale$40,000
2009-08-04Sold$6,500
2008-12-23Sold$105,500
2004-09-16Sold$55,000

For Sale by Agent

AgentNicole McNulty
BrokerageTailored Real Estate Group

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