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808 County Route 4, Fort Covington, NY, 12937

3beds
2baths
880sqft
$85,000
$97price/sqft
$943/moest. monthly cost
$37,720/yrincome needed

About This Home

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

4/10
3/10
4/10
Salmon River High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1996

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modular
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: Main Level

Bathroom2

  • Features: Laminate Counters
  • Level: First
  • Area: 61
  • Dimensions: 10 x 6.1

Bedroom2

  • Features: Laminate Counters
  • Level: First
  • Area: 80.8
  • Dimensions: 10.1 x 8

Bedroom3

  • Features: Laminate Counters
  • Level: First
  • Area: 68.8
  • Dimensions: 8.6 x 8

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 880

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 880
  • Total interior livable area: 880 sqft

Kitchen

  • Features: Laminate Counters
  • Level: First
  • Area: 130
  • Dimensions: 10 x 13

Laundry

  • Features: Laminate Counters
  • Level: First
  • Area: 24
  • Dimensions: 6 x 4

Living Room

  • Features: Laminate Counters
  • Level: First
  • Area: 260
  • Dimensions: 26 x 10

Master Bathroom

  • Features: Laminate Counters
  • Level: First
  • Area: 61
  • Dimensions: 10 x 6.1

Master Bedroom

  • Features: Laminate Counters
  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Property

Details

  • Parcel number: 38.118.130

Features

  • Levels: One
  • Patio & porch: Porch
  • Has view: Yes
  • View description: Meadow

Lot

  • Lot size: 1.37 Acres

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
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Franklin 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 $429$5,148
Home Insurance *$166$1,992
Property Taxes $102$1,224
Electricity $246$2,954
Total$943$11,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,331/yr
40% on housing$28,290/yr
45% on housing$25,146/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: 4.3%
4.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$97This listing

vs Other Active Listings

Avg $/sqft

ZIP 12937$100
Franklin County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 12937$58
Franklin County$117

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

DateEventPrice
2025-11-21Listed for sale$85,000
1997-02-10Sold$1,500

For Sale by Agent

AgentJoAnna Brown
BrokerageNorthern Adirondack Realty

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