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1522 7th Avenue, Watervliet, NY, 12189

2beds
2baths
1,280sqft
$239,900
$187price/sqft
$1,880/moest. monthly cost
$75,200/yrincome needed

About This Home

Turn-key 2-family property featuring two fully renovated 1-bedroom, 1-bath units with modern updates throughout. Each unit offers bright living space, updated kitchens and baths, and separate utilities, making this an excellent investment opportunity or ideal owner-occupant property. Both units are currently leased, with the upstairs tenant moving out at the end of July, offering flexibility for a new owner. Conveniently located near shopping, dining, and major highways for easy commuting. A great addition to any portfolio!

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

Construction

Condition

  • Year built: 1890

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level,Upper Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • High Speed Internet,Walk-In Closet(s)
  • Flooring: Vinyl,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,280

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Property

Details

  • Parcel number: 011800 32.66444
  • Attached to another structure: Yes
  • Zoning description: Multi Residence
  • Special condition: Standard

Features

  • Exterior features: None
  • Fencing: Fenced

Lot

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

Parking

  • Total spaces: 3
  • Parking features: Off Street

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 $1,213$14,556
Home Insurance *$82$984
Property Taxes $339$4,068
Electricity $246$2,954
Total$1,880$22,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,457/yr
40% on housing$56,400/yr
45% on housing$50,133/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

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 12189$164
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12189$216
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
2026-06-11Listed for sale$239,900
2020-03-05Sold$107,500
2020-01-28Pending sale$118,900
2019-11-07Price change$118,900
2019-10-15Listed for sale$121,900
2014-07-09Sold$71,500
2014-04-19Listed for sale$78,800
2010-08-17Listing removed$119,900
2010-04-08Listed for sale$119,900
2009-10-29Listing removed$119,900
2009-09-25Price change$119,900
2009-07-18Listed for sale$129,900
2004-11-04Sold$66,516

For Sale by Agent

AgentJosie Reo
BrokerageMLS 4 Less Realty

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