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45 Main Street, Ravena, NY, 12143

2beds
1baths
1,488sqft
$195,000
$131price/sqft
$1,596/moest. monthly cost
$63,840/yrincome needed

About This Home

Walk to Coeymans Riverfront Park, local restaurants, neighborhood bars, the post office, and village shops from this charming 2-bedroom home in the heart of Ravena. Offering nearly 1,500 square feet of living space, 45 Main Street combines classic character, spacious rooms, and outstanding potential in one of the village's most convenient locations. Inside, beautiful hardwood floors, abundant natural light, and generously sized rooms create a warm and inviting atmosphere from the moment you step inside. The spacious living and dining rooms provide plenty of room for entertaining or relaxing, while the oversized eat-in kitchen offers exceptional cabinet and counter space and is ready for your personal touch. A flexible bonus room off the dining room is perfect for a home office, reading nook, playroom, or hobby space. Both bedrooms are generously sized, easily accommodating king-size bedroom furniture, and each features its own walk-in closet, a rare find in a home of this era. Enjoy your morning coffee or unwind after a long day from one of the home's enclosed porches. Step outside to discover a spacious backyard with plenty of room for gardening, entertaining, pets, or simply enjoying the outdoors. The property also includes two off-street parking spaces conveniently located behind the home. While the home could benefit from some TLC, it is priced accordingly and presents an outstanding opportunity to build equity from day one. The property is unlikely to pass FHA/VA due to peeling paint. $5,000 credit at closing for qualified homebuyers using local banks. Bring your vision and make this charming village home your own while building equity along the way.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Fixer
  • Year built: 1902

Materials

  • Foundation: Block,Stone
  • Roof: Other,Shingle
  • Construction materials: Other,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Range Hood,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Bilco Doors,Sump Pump,Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Flooring: Tile,Vinyl,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 1,488

Heating & Cooling

  • Heating features: Baseboard,Hot Water
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,488
  • Total interior livable area: 1,488 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Mud Room

  • Level: First

Other

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 012401 168.11226
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Screened,Front Porch
  • Exterior features: None

Lot

  • Lot size: 6,098 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • 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 $986$11,832
Home Insurance *$88$1,056
Property Taxes $276$3,312
Electricity $246$2,954
Total$1,596$19,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,720/yr
40% on housing$47,880/yr
45% on housing$42,560/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

$131This listing

vs Other Active Listings

Avg $/sqft

ZIP 12143$144
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12143$157
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
2026-08-02Price change$195,000
2026-07-09Listed for sale$230,000
2021-08-11Sold$169,600
2021-06-09Pending sale$154,900
2021-05-26Listing removed--
2021-05-19Listed for sale$154,900

For Sale by Agent

AgentDennilu Sosa De La Fuente
BrokerageMonticello

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