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109 Albany Ave, Johnson City, NY, 13790

3beds
2baths
1,470sqft
$170,000
$116price/sqft
$1,515/moest. monthly cost
$60,600/yrincome needed

About This Home

ONE OF A KIND GEM! PERFECT OWNER OCCUPY OR INVESTMENT. BIG CORNER LOT, PRIVACY FENCE & LANDSCAPED! MOVE IN AND ENJOY UPDATED OPEN FLOOR PLAN, OAK KITCHEN, GRANITE CENTER ISLAND, SHINY HDWD FLOORS, NEWER BATH WITH WHIRLPOOL & CUSTOM TILE WORK! FRENCH DOORS, LOVELY WOOD WORK, NEWER ROOF, WINDOWS, LANDSCAPED YARD WITH NICE PATIO! GOOD STORAGE. PRIDE OF OWNERSHIP!

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1949

Materials

  • Roof: Asphalt
  • Construction materials: Wood

Type & Style

  • Home type: MultiFamily

Interior

Appliances

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

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Hardwood,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Other

Interior Area

  • Total interior livable area: 1,470 sqft

Property

Details

  • Parcel number: 0346031433355

Features

  • Exterior features: Shingle,Wood
  • Has view: Yes
  • View description: City,Mountain

Lot

  • Lot size: 5,227 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage - Detached,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Broome County and New York

Flood
Hurricane
Severe Storm
Tropical Depression
Tropical 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 $859$10,308
Home Insurance *$97$1,164
Property Taxes $313$3,756
Electricity $246$2,954
Total$1,515$18,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,942/yr
40% on housing$45,450/yr
45% on housing$40,400/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: 3.4%
3.4%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 13790$103
Broome County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 13790$113
Broome County$122

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
2026-08-02Listed for sale$170,000
2017-07-20Sold$104,000
2017-05-05Listed for sale$109,000
2013-04-01Sold$97,000
2013-02-06Pending sale$104,000
2013-01-09Listed for sale$104,000
2009-10-29Sold$84,800

For Sale by Owner

AgentProperty Owner

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