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23 McDonald Drive, Cohoes, NY, 12047

4beds
2baths
1,028sqft
$349,900
$340price/sqft
$2,639/moest. monthly cost
$105,560/yrincome needed

About This Home

The total finished square footage is 1700 sf. Welcome to this beautifully maintained and move in ready home offering comfort and style throughout. The spacious living areas are filled with natural light and complemented by attractive flooring that enhances the home's clean and contemporary feel. Generously sized bedrooms provide comfortable retreats. Additional highlights include central air conditioning, newer mechanics, and low-maintenance living. The property also offers a fenced yard with plenty of space to relax, garden, or entertain family and friends.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

5/10
Harmony Hill SchoolGrades PK-50.9 mi
3/10
Cohoes Middle SchoolGrades 6-81.5 mi
4/10
Cohoes High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Range Hood,Refrigerator,Washer/Dryer
  • Laundry features: In Basement

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Family Room

  • Level: First

Features

  • High Speed Internet,Satellite Internet
  • Flooring: Ceramic Tile,Laminate
  • Finished area below ground: 672
  • Finished area above ground: 1,028

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,028
  • Total interior livable area: 1,028 sqft

Kitchen

  • Level: Second

Living Room

  • Level: Second

Property

Details

  • Parcel number: 010300 5.17156
  • Special condition: Standard

Features

  • Exterior features: None
  • Fencing: Fenced

Lot

  • Lot size: 7,405 sqft
  • Features: Level

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • 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 $1,769$21,228
Home Insurance *$129$1,548
Property Taxes $495$5,940
Electricity $246$2,954
Total$2,639$31,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,480/yr
40% on housing$79,170/yr
45% on housing$70,373/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

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 12047$164
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12047$212
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
2026-08-12Listing removed$2,500
2026-08-11Price change$339,900
2026-07-15Listed for rent$2,500
2026-07-10Listed for sale$349,900
2024-10-01Sold$300,500
2024-06-17Pending sale$300,000
2024-06-12Price change$300,000
2024-06-03Price change$320,000
2024-05-23Listed for sale$330,000
2023-04-04Sold$260,000
2023-02-15Pending sale$239,000
2023-02-10Listed for sale$239,000
2021-08-03Sold$240,000
2021-05-19Pending sale$255,000
2021-05-10Price change$255,000
2021-04-28Listed for sale$260,000
2020-11-02Listing removed$244,900
2020-11-01Listed for sale$244,900
2020-09-03Listing removed$244,900
2020-08-20Pending sale$244,900
2020-08-13Price change$244,900
2020-07-28Listed for sale$249,900
2012-06-04Sold$179,000
2012-02-29Price change$179,000
2012-02-23Price change$179,900
2012-02-04Price change$185,000
2012-01-05Listed for sale$189,000

For Sale by Agent

AgentJennifer Gao-Bosley
BrokerageJ & A Capital Realty

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