79 Central Terrace, Cohoes, NY, 12047
About This Home
Two-Family Property., perfect for both the seasoned investor and those entering the market for the first time. Located in the high-demand rental markets of Cohoes This home offers a blend of stable tenancy, separate utilities, and strong, reliable cash flow. The property features: Two spacious rental units. Independent utilities for simplified management and reduced overhead. Established tenants providing immediate income. Solid rental history in proven investment location. Whether you're looking to expand your portfolio or begin building long-term wealth, this property delivers dependable performance and scalability.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1890
Materials
- Construction materials: Brick
Type & Style
- Home type: MultiFamily
- Architectural style: Traditional
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 2
- Full bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,742
Heating
- Heating features: Baseboard,Hot Water
Interior Area
- Total structure area: 2,742
- Total interior livable area: 2,742 sqft
Property
Details
- Parcel number: 010300 10.5012
- Attached to another structure: Yes
- Special condition: Standard
Features
- Exterior features: None
Lot
- Lot size: 4,356 sqft
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
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Albany County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,061 | $12,732 |
| Home Insurance * | $77 | $924 |
| Property Taxes | $297 | $3,564 |
| Electricity | $453 | $5,437 |
| Total | $1,888 | $22,656 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-31 | Price change | $209,900 |
| 2026-02-13 | Price change | $220,000 |
| 2026-01-22 | Price change | $228,000 |
| 2025-12-16 | Listed for sale | $240,000 |
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