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3 Riverview Drive, Niskayuna, NY, 12309

2beds
1baths
744sqft
$249,900
$336price/sqft
$1,945/moest. monthly cost
$77,800/yrincome needed

About This Home

Best and final due by 8/8. Fully updated and completely move in ready, this 2 bedroom, 1 bath ranch delivers a fresh, modern feel from the moment you walk in. The open floorplan connects the living and dining areas to a stunning remodeled kitchen featuring stone countertops, crisp white shaker cabinetry, a striking navy tile backsplash, and stainless steel appliances. The full bath has been beautifully redone with floor to ceiling ceramic tile and a new vanity. Both bedrooms are generously sized with ample closet space, and main level laundry adds everyday convenience. Enjoy single level living with no stairs. Outside you will find a level, cleared 0.2 acre lot, and a patio for entertaining. All of this in the sought after Niskayuna School District. Nothing to do but move in.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
8/10
Iroquois Middle SchoolGrades 5-82.6 mi
9/10
Niskayuna High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1955

Materials

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

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • High Speed Internet,Solid Surface Counters,Built-in Features,Ceramic Tile Bath
  • Flooring: Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 744

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 744
  • Total interior livable area: 744 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 012689 7.4516
  • Special condition: Standard

Features

  • Patio & porch: Patio
  • Exterior features: Lighting

Lot

  • Lot size: 8,712 sqft
  • Features: Level,Cleared

Parking

  • Total spaces: 2
  • Parking features: Off Street,Paved,Driveway
  • 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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

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 $1,263$15,156
Home Insurance *$82$984
Property Taxes $354$4,248
Electricity $246$2,954
Total$1,945$23,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,685/yr
40% on housing$58,350/yr
45% on housing$51,866/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

$336This listing

vs Other Active Listings

Avg $/sqft

ZIP 12309$231
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12309$209
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
2026-08-12Contingent$249,900
2026-08-11Pending sale$249,900
2026-08-01Listed for sale$249,900
2008-08-25Sold$135,000

For Sale by Agent

AgentMoonrani G Gumani
BrokerageMiranda Real Estate Group Inc

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