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152 Tharp St, Vestal, NY, 13850

2beds
1baths
960sqft
$165,000
$172price/sqft
$1,446/moest. monthly cost
$57,840/yrincome needed

About This Home

Adorable Ranch move in ready condition,beautiful cabinets w/ eat in kitchen, 1st floor laundry, walk in closet, newer carpet, with central A/C, 2014 HWH & Furnace, situated in a park like setting w/ large level lot.Why pay rent when you can own this little gem. Home requires floor insurance. All utilities are raised up 2 ft

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
7/10
Vestal Middle SchoolGrades 6-85.8 mi
8/10
Vestal Senior High SchoolGrades 9-126.0 mi

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Crawl/Raised
  • Roof: Asphalt
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

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

Heating & Cooling

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

Interior Area

  • Total interior livable area: 960 sqft

Property

Details

  • Parcel number: 03480022314117

Features

  • Exterior features: Vinyl
  • Has view: Yes
  • View description: Park,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 1
  • 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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Lightning
Tornado

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 $834$10,008
Home Insurance *$63$756
Property Taxes $303$3,636
Electricity $246$2,954
Total$1,446$17,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,577/yr
40% on housing$43,380/yr
45% on housing$38,560/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 13850$151
Broome County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 13850$142
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
2026-07-18Listed for sale$165,000
2022-10-19Sold$95,000
2022-09-16Pending sale$99,000
2022-09-03Listed for sale$99,000
2020-09-15Sold$69,900
2020-08-06Pending sale$69,900
2020-07-13Listed for sale$69,900
2017-01-06Sold$52,100
2016-11-07Pending sale$49,000
2016-10-26Listed for sale$49,000
2014-05-07Sold$25,000
2014-02-05Listing removed$59,000
2013-08-29Price change$59,000
2013-03-29Listed for sale$69,900

For Sale by Owner

AgentProperty Owner

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