




891 County Route 401, Westerlo, NY, 12193
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
Schools
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
- Landslide
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Albany County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,511 | $18,132 |
| Home Insurance * | $128 | $1,536 |
| Property Taxes | $423 | $5,076 |
| Electricity | $246 | $2,954 |
| Total | $2,308 | $27,696 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Price change | $289,000 |
| 2026-06-02 | Listed for sale | $299,000 |
| 2024-08-26 | Listing removed | $254,000 |
| 2024-07-10 | Price change | $259,000 |
| 2024-06-10 | Price change | $269,995 |
| 2024-05-28 | Listed for sale | $274,900 |
| 2024-05-23 | Pending sale | $274,900 |
| 2024-04-10 | Listed for sale | $274,900 |
| 2023-11-14 | Listing removed | -- |
| 2023-07-01 | Pending sale | $274,900 |
| 2023-06-21 | Listed for sale | $274,900 |
| 2023-06-14 | Listing removed | -- |
| 2023-06-10 | Listed for sale | $274,900 |
| 2015-12-02 | Listing removed | $184,000 |
| 2015-06-02 | Listed for sale | $184,000 |
| 2009-07-01 | Listing removed | $149,900 |
| 2009-06-06 | Price change | $149,900 |
| 2009-05-28 | Listed for sale | $152,900 |
| 2004-02-02 | Sold | $84,900 |
