136 Merchant St, Guilford, NY, 13780
About This Home
New Improved Price: $115k firm! Bring your contractor and your vision to this massive, flexible property! Featuring 5+ bedrooms and 3 full baths, this spacious home offers incredible potential for a savvy investor or a DIY enthusiast looking to build substantial sweat equity. The home has been converted to a single-family and features a large, fenced yard and a detached 2-story garage (needs structural repair). Currently heated by two new pellet stoves, this home lacks a central heating system, making it ideal for cash buyers or specialized renovation loans. In 2025 the exterior was painted, a new HW Heater was installed and a new 200 AMP Electric panel was installed.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Foundation: Stone
- Roof: Asphalt
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Historic/Antique,Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Oven,Electric Range,Electric Water Heater,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Partial
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 2
Features
- Ceiling Fan(s),Den,Separate/Formal Dining Room,Separate/Formal Living Room,Country Kitchen,Kitchen Island,Other,See Remarks
- Flooring: Carpet,Hardwood,Tile,Varies
- Number of fireplaces: 2
- Fireplace: Yes
Heating & Cooling
- Heating features: Other,See Remarks
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 2,840
- Total interior livable area: 2,840 sqft
Property
Details
- Parcel number: 209.09013
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Open,Porch
- Exterior features: Dirt Driveway
Lot
- Lot size: 0.91 Acres
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 92 x 450
Parking
- Total spaces: 2
- Parking features: Detached,Garage
- 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
- Cold Wave
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Chenango 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 | $429 | $5,148 |
| Home Insurance * | $56 | $672 |
| Property Taxes | $145 | $1,740 |
| Electricity | $469 | $5,632 |
| Total | $1,099 | $13,188 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-22 | Price change | $115,000 |
| 2026-02-05 | Price change | $135,000 |
| 2026-01-19 | Listed for sale | $150,000 |
| 2024-12-03 | Sold | $62,600 |
| 2024-11-25 | Pending sale | $80,000 |
| 2024-10-09 | Contingent | $80,000 |
| 2024-08-13 | Listed for sale | $80,000 |
| 2015-11-13 | Sold | $5,003 |
| 2010-03-10 | Sold | $40,000 |
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