46 Congress Street, Cohoes, NY, 12047
About This Home
Fully occupied duplex in Cohoes with updates throughout the property. Long term first floor tenant in place. Each unit features 2 bedrooms and 1 bath. Hardwood floors were just installed in unit 2. This could make a great owner occupant property or a solid addition to your investment portfolio
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Construction materials: Aluminum 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: 2,068
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total structure area: 2,068
- Total interior livable area: 2,068 sqft
Property
Details
- Parcel number: 010300 10.67143
- Attached to another structure: Yes
- Zoning description: Multi Residence
- Special condition: Standard
Features
- Exterior features: Other
Lot
- Lot size: 2,613 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 | $1,187 | $14,244 |
| Home Insurance * | $87 | $1,044 |
| Property Taxes | $332 | $3,984 |
| Electricity | $341 | $4,101 |
| Total | $1,947 | $23,364 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-15 | Price change | $244,900 |
| 2026-03-31 | Listed for sale | $255,000 |
| 2022-11-22 | Sold | $125,000 |
| 2022-10-28 | Pending sale | $145,000 |
| 2022-10-21 | Listed for sale | $145,000 |
| 2022-09-09 | Pending sale | $145,000 |
| 2022-08-24 | Price change | $145,000 |
| 2022-07-28 | Listed for sale | $150,000 |
| 2010-06-17 | Listing removed | $90,000 |
| 2010-02-06 | Price change | $90,000 |
| 2009-10-13 | Price change | $95,000 |
| 2009-05-30 | Price change | $99,900 |
| 2009-03-23 | Listed for sale | $105,000 |
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