See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

709 Watkins Rd, Horseheads, NY, 14845

5beds
3baths
4,570sqft
$425,000
$93price/sqft
$3,789/moest. monthly cost
$151,560/yrincome needed

About This Home

Spacious and versatile 5-bedroom, 2.5-bath, 4500 square foot home in the Village of Horseheads offering a rare combination of comfort, functionality, and opportunity. Ideally located, this property blends character, charm, and beautiful wood details throughout. The main level offers a bright, open-concept kitchen, dining, and living area with large windows, hardwood floors, and upgraded appliances. Two first-floor bedrooms and a full bath provide flexible living options. A spacious mudroom/laundry room adds everyday convenience. An additional family room with a fireplace and sunroom creates the perfect space for relaxing or entertaining. Upstairs includes three bedrooms, highlighted by a private primary suite with its own half bath and two large walk-in closets. A second full bath serves the additional bedrooms. A standout feature of this property is the expansive 3-car attached garage with a dedicated workshop and separate entrance, currently used for an upholstery business. This setup is ideal for a home-based business, hobbyist, or anyone needing substantial workspace with direct access to the home, offering flexibility for a variety of professional or personal endeavors. In addition, a 5-bay detached garage with an attached studio/she-shed provides even more space for storage, hobbies, creative use, or additional workspace. Set on 1.46 acres, the outdoor space includes a composite wood deck overlooking a koi pond, hot tub, firepit, and an above-ground pool—perfect for relaxing or entertaining. Two driveways provide convenient access to both garage structures. Don’t miss this rare opportunity to own a property that offers space, versatility, and endless potential.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
5/10
Horseheads Middle SchoolGrades 7-81.5 mi
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Foundation: Block
  • Construction materials: Blown-In Insulation,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Gas Oven,Gas Range,Gas Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Exterior Entry,Partial,Walk-Up Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Den,Entrance Foyer,Separate/Formal Living Room,Great Room,Home Office,Kitchen/Family Room Combo,Living/Dining Room,Bedroom on Main Level,Workshop
  • Flooring: Hardwood,Tile,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Hot Water

Interior Area

  • Total structure area: 4,570
  • Total interior livable area: 4,570 sqft

Property

Details

  • Parcel number: 07340104901300010180000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Above Ground
  • Patio & porch: Deck
  • Exterior features: Blacktop Driveway,Deck,Fully Fenced,Hot Tub/Spa,Pool,See Remarks,Propane Tank - Leased
  • Has spa: Yes
  • Fencing: Full

Lot

  • Lot size: 1.46 Acres
  • Features: Other,Rectangular,Rectangular Lot,See Remarks
  • Lot size dimensions: 200 x 295

Parking

  • Total spaces: 8
  • Parking features: Attached,Electricity,Garage,Heated Garage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 8
  • Covered spaces: 8

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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in Chemung 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 $2,149$25,788
Home Insurance *$177$2,124
Property Taxes $708$8,496
Electricity $755$9,062
Total$3,789$45,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,908/yr
40% on housing$113,670/yr
45% on housing$101,040/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: 2.2%
2.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 14845$128
Chemung County$88

vs Homes Sold Last Month

Median $/sqft

ZIP 14845$125
Chemung County$98

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
2026-05-13Price change$469,000
2026-04-28Price change$494,000
2026-03-23Listed for sale$499,000
2005-06-15Sold$155,000
2002-12-02Sold$90,000

For Sale by Agent

AgentErin Hughson
BrokerageSignature Properties

Similar Homes