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64 Shepard Avenue, Schenectady, NY, 12304

2beds
1baths
1,226sqft
$279,900
$228price/sqft
$2,174/moest. monthly cost
$86,960/yrincome needed

About This Home

Super Cute Cape, updated and move in Ready! Make this adorable home yours today. Newer Kitchen with eat at countertop, stainless steel appliances and stunning granite countertops. Updated first floor bath and first floor bedroom. Open concept Kitchen to Living room with slider to an adorable private back porch. Formal dining room and second floor primary bedroom with plenty of closet areas. Sunroom off side entrance adds an extra flex space for crafts, sewing or family room. This home also boasts a finished entertainment room in the basement! Fenced in back yard offers a newer deck, garden area and firepit. This home is perfect starter or to downsize to. A must see!!

Getting Around

42
WalkingCar-Dependent
28
TransitSome Transit
28
BikeSomewhat Bikeable

Schools

9/10
Veeder Elementary SchoolGrades PK-41.1 mi
6/10
Lisha Kill Middle SchoolGrades 5-81.6 mi
8/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1957

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Water Heater,Microwave,Oven,Range,Refrigerator,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Unfinished

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • High Speed Internet,Ceiling Fan(s),Ceramic Tile Bath,Chair Rail,Eat-in Kitchen
  • Door features: French Doors
  • Window features: Screens,Shutters,Bay Window(s),Curtain Rods,ENERGY STAR Qualified Windows
  • Flooring: Ceramic Tile,Hardwood
  • Fireplace features: Other,Basement
  • Fireplace: Yes
  • Finished area below ground: 121
  • Finished area above ground: 1,226

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,226
  • Total interior livable area: 1,226 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Other

  • Level: First

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 012689 16.8145
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Deck,Front Porch
  • Exterior features: Lighting
  • Fencing: Split Rail,Wood,Back Yard,Full,Gate

Lot

  • Lot size: 7,405 sqft
  • Features: Level,Private,Garden,Landscaped

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

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 $1,415$16,980
Home Insurance *$117$1,404
Property Taxes $396$4,752
Electricity $246$2,954
Total$2,174$26,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,537/yr
40% on housing$65,220/yr
45% on housing$57,973/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 12304$156
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12304$191
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
2026-08-06Pending sale$279,900
2026-07-30Listed for sale$279,900
2018-01-22Sold$164,900
2017-11-02Pending sale$164,900
2017-10-31Price change$164,900
2017-09-26Price change$172,500
2017-08-21Pending sale$177,500
2017-08-16Listed for sale$177,500
2017-04-07Sold$69,900
2016-04-14Sold$100,000

For Sale by Agent

AgentCynthia A Kelly
BrokerageStaged Nest Real Estate LLC

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