125 Water St, Franklin, NY, 13775
About This Home
Located in Franklin NY. Single family home. Bring your vision and carpentry skills to bring this lovely home back to life! Inside is open and ready for finishing. Rooms are large and bright. Garage out back has an extended ceiling making it great for a camper or boat storage. Close to I-88 & about 20 minutes to the City of Oneonta. Property is being sold as is and in as is condition. No rent to own or owner financing here. Cash sale only. Special Addendums may apply.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1930
Materials
- Foundation: Stone
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Basement
- Basement: None
Features
- Other,See Remarks
- Flooring: Other,See Remarks
Heating & Cooling
- Heating features: Other,See Remarks,None
- Cooling features: Other,See Remarks
Interior Area
- Total structure area: 1,000
- Total interior livable area: 1,000 sqft
Property
Details
- Parcel number: 1232010970080003020000
- Special condition: Real Estate Owned
Features
- Levels: Two
- Stories: 2
- Exterior features: Dirt Driveway
Lot
- Lot size: 0.25 Acres
- Features: Irregular Lot
- Lot size dimensions: 98 x 130
Parking
- Total spaces: 1
- Parking features: Attached,Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Cold Wave
- Inland Flooding
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Delaware 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 | $601 | $7,212 |
| Home Insurance * | $53 | $636 |
| Property Taxes | $137 | $1,644 |
| Electricity | $246 | $2,954 |
| Total | $1,037 | $12,444 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-31 | Listing removed | $159,000 |
| 2025-11-06 | Price change | $159,000 |
| 2025-09-18 | Listed for sale | $175,000 |
| 2025-09-08 | Listing removed | $179,000 |
| 2025-08-07 | Listed for sale | $179,000 |
| 2025-07-26 | Pending sale | $179,000 |
| 2025-07-05 | Price change | $179,000 |
| 2025-05-30 | Listed for sale | $199,000 |
| 2024-09-30 | Listing removed | $164,000 |
| 2024-09-20 | Listed for sale | $164,000 |
| 2024-09-11 | Contingent | $169,000 |
| 2024-08-24 | Listed for sale | $169,000 |
| 2023-09-09 | Sold | $120,000 |
| 2023-06-12 | Pending sale | $119,900 |
| 2023-03-15 | Price change | $119,900 |
| 2023-03-14 | Price change | $135,000 |
| 2022-11-17 | Listed for sale | $139,000 |
| 2022-11-01 | Listing removed | -- |
| 2022-08-08 | Price change | $139,000 |
| 2022-05-26 | Price change | $159,000 |
| 2022-03-25 | Listed for sale | $169,000 |
| 2011-06-19 | Listing removed | $129,000 |
| 2010-08-19 | Pending sale | $129,000 |
| 2010-06-17 | Listed for sale | $135,000 |
| 2009-01-16 | Sold | $70,000 |
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