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891 County Route 401, Westerlo, NY, 12193

3beds
2baths
1,460sqft
$299,000
$205price/sqft
$2,308/moest. monthly cost
$92,320/yrincome needed

About This Home

Welcome to our lovingly maintained two-story 3-bedroom, 2-bath Cape Cod in the rural Hilltowns of Albany County! A modern country kitchen with ample cabinetry, open to the adjoining dining room, provides opportunity for family time while preparing and sharing meals. A comfortable living room located off the dining room continues the open layout. Lots of large windows, including a bay window in the dining room, let in plenty of natural light and provide beautiful views of the surrounding countryside. Down the hallway from the kitchen is a bathroom, updated in ’26 with fresh paint, lighting, and matte black hardware throughout! A bonus room is accessible from the hallway or living room. Previously used as a guest bedroom, it’s currently used as a home office. This bonus room features a convenient laundry area - no having to do laundry in a basement or a bathroom here! All appliances convey and many are new/newer: dishwasher ’26, washing machine ’24, stove ’21. An attractive stairway leads you upstairs from the living room. There you will find a centrally located main bathroom. Three bedrooms complete the upstairs, with a family-friendly arrangement all on the same level. There is a large master bedroom with huge walk-in closet and two smaller bedrooms, ideal for kids, with under-eave storage areas. As with downstairs, large windows take advantage of the light and the surrounding views! Outdoors, a convenient mudroom connects the kitchen to the garage. The yard is flat and clear, with many established perennial beds, mature trees, and open views of the woodlands across the road and behind the house. A portion of the backyard is fenced and is accessible from the garage. Songbirds, deer, bald eagles, and other wildlife are regular sightings! The home is in a truly beautiful setting in all seasons. Located just outside of town on a well-maintained county road, the town park is only a minute away, making this a great location for a young family! Farms, orchards, hiking trails, and family favorites such as Huyck Preserve, Thatcher Park, and Thompson’s Lake are all nearby. Amenities are located just 10 minutes away in Greenville, with additional shopping and dining options 25 minutes away in Delmar or Voorheesville; 35 minutes to Albany. Taxes are low ($3,545 in ’26)! Please text with questions or to set up a showing. Showings for pre-approved buyers only; willing to work with a buyer’s agent. Our family works and schools from home and has dogs, so please kindly do not enter the property without an appointment. Showings late afternoons/evenings and weekends only.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Asphalt
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile,Carpet,Hardwood,Linoleum / Vinyl

Heating

  • Heating features: Other,Other

Interior Area

  • Total interior livable area: 1,460 sqft

Property

Details

  • Parcel number: 013800139136

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 0.57 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached

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
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Lightning
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 $1,511$18,132
Home Insurance *$128$1,536
Property Taxes $423$5,076
Electricity $246$2,954
Total$2,308$27,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,131/yr
40% on housing$69,240/yr
45% on housing$61,546/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

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 12193$289
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12193$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
2026-08-10Price change$289,000
2026-06-02Listed for sale$299,000
2024-08-26Listing removed$254,000
2024-07-10Price change$259,000
2024-06-10Price change$269,995
2024-05-28Listed for sale$274,900
2024-05-23Pending sale$274,900
2024-04-10Listed for sale$274,900
2023-11-14Listing removed--
2023-07-01Pending sale$274,900
2023-06-21Listed for sale$274,900
2023-06-14Listing removed--
2023-06-10Listed for sale$274,900
2015-12-02Listing removed$184,000
2015-06-02Listed for sale$184,000
2009-07-01Listing removed$149,900
2009-06-06Price change$149,900
2009-05-28Listed for sale$152,900
2004-02-02Sold$84,900

For Sale by Owner

AgentProperty Owner

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