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11 Pine Street, Albany, NY, 12203

2beds
1baths
1,065sqft
$265,900
$250price/sqft
$2,065/moest. monthly cost
$82,600/yrincome needed

About This Home

**OPEN HOUSE Sunday 12:30-2:00** Great opportunity to build some fast sweat equity, home needs some TLC, but is solid all brick construction, newer roof, nice double lot with 2 car garage plus an additional 1 car garage which could be workshop, beautiful 3-Season Room, etc. . .

Getting Around

12
WalkingCar-Dependent
27
TransitSome Transit
35
BikeSomewhat Bikeable

Schools

5/10
6/10
Farnsworth Middle SchoolGrades 6-83.5 mi
9/10
Guilderland High SchoolGrades 9-127.1 mi

Construction

Condition

  • Year built: 1926

Materials

  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: Electric Dryer Hookup,In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Other,Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Den

  • Level: First

Dining Room

  • Level: First

Features

  • Window features: Insulated Windows
  • Flooring: Wood,Parquet
  • Finished area below ground: 0
  • Finished area above ground: 1,065

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,065
  • Total interior livable area: 1,065 sqft

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 012200 63.12514
  • Special condition: Standard

Features

  • Fencing: Partial

Lot

  • Lot size: 0.38 Acres
  • Features: Level

Parking

  • Total spaces: 5
  • Parking features: Paved,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • 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 $1,344$16,128
Home Insurance *$99$1,188
Property Taxes $376$4,512
Electricity $246$2,954
Total$2,065$24,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,800/yr
40% on housing$61,950/yr
45% on housing$55,066/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

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 12203$194
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12203$213
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
2026-01-03Price change$285,900
2025-12-31Price change$299,800
2025-10-28Listed for sale$306,900
2005-01-03Sold$85,000

For Sale by Agent

AgentJames C Furey
BrokerageeXp Realty

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