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1915 State Highway 12, Greene, NY, 13778

4beds
2baths
3,000sqft
$649,500
$217price/sqft
$5,286/moest. monthly cost
$211,440/yrincome needed

About This Home

This multigenerational home was situated back off the road in order to capture the magnificent valley view. The contemporary style was built by quality craftsmen. Over the years an addition was added and numerous upgrades throughout the years and change of generations. You will enjoy 3 levels of living area, the lower level consists of one bedroom, bathroom, family room with woodstove, laundry and direct entrance to 2 car garage. The main level consists of living room, custom crafted kitchen with a farmhouse sink, dining room, entry and a bar. The upper level consists of 3 bedrooms, full bath with tub, office, which could be a 5th bedroom and a landing. The views are outstanding! Outside enjoy a spacious covered deck, large patio area and a fully fenced inground pool. The patio has wiring in place and is supported for your hot tub. 6 spacious acres, with a woodlot to heat your home too. Conveniently located between Oxford and Greene with an easy commute to multiple locations. Don't miss out on this one. Taxes are based on the whole 65.64 acres and additional buildings, as the 6 acres was recently subdivided off. They also have STAR and an Ag Exemption on the whole 65 acres.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
4/10
Greene Middle SchoolGrades 6-82.4 mi
8/10
Greene High SchoolGrades 9-122.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1975

Materials

  • Foundation: Poured
  • Construction materials: Brick,Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Split Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Electric Cooktop,Exhaust Fan,Oil Water Heater,Refrigerator,Range Hood
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Bar,Den,Separate/Formal Dining Room,Other,Pantry,See Remarks,Bedroom on Main Level,Convertible Bedroom,Bath in Primary Bedroom
  • Window features: Thermal Windows
  • Flooring: Hardwood,Tile,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Oil,Baseboard,Hot Water
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Property

Details

  • Parcel number: 08308922600000010362000000
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Stories: 3
  • Pool features: In Ground
  • Patio & porch: Covered,Deck,Patio,Porch
  • Exterior features: Deck,Gravel Driveway,Pool,Patio
  • Horses can be raised: Yes

Lot

  • Lot size: 6.03 Acres
  • Features: Rectangular,Rectangular Lot,Secluded
  • Lot size dimensions: 553 x 533

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Chenango 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 $3,284$39,408
Home Insurance *$398$4,776
Property Taxes $1,109$13,308
Electricity $495$5,949
Total$5,286$63,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,234/yr
40% on housing$158,580/yr
45% on housing$140,960/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 13778$156
Chenango County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 13778
Chenango County$110

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
2026-08-14Price change$595,000
2026-07-29Listed for sale$649,500

For Sale by Agent

AgentJudy Schwager
BrokerageNY Country Land

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