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117 E State Street, Johnstown, NY, 12095

4beds
1baths
1,836sqft
$190,000
$103price/sqft
$1,629/moest. monthly cost
$65,160/yrincome needed

About This Home

This spacious 1,800+ sq ft Johnstown home has been fitted with a new roof, new siding, and new windows -- the most costly and impactful exterior improvements already completed and paid for by the previous owner. What remains is cosmetic interior work to bring the character and charm of this classic old-style home back to life. The layout is lovely across two floors -- a main level featuring a living room, dining room, kitchen, family room, and a den that flexes as an additional bedroom, plus four bedrooms and a full bath upstairs. The bones are solid, the exterior is fresh, and a new water line from the street was completed in 2020. For the renovator, investor, or buyer with vision and a paintbrush, this is the kind of property that rewards effort with equity. Priced to reflect current condition and being sold as is -- but at $190,000 with this square footage and these exterior updates already in place, the value is genuine. Conveniently located in Johnstown with easy access to Gloversville, Route 30, and the Great Sacandaga Lake.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
Warren Street SchoolGrades 2-40.9 mi
5/10
--
Pleasant Avenue SchoolGrades PK-21.3 mi

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Den

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Eat-in Kitchen
  • Finished area below ground: 0
  • Finished area above ground: 1,836

Heating & Cooling

  • Heating features: Natural Gas,Radiant,Steam
  • Cooling features: None

Interior Area

  • Total structure area: 1,836
  • Total interior livable area: 1,836 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 170800 174.81021
  • Special condition: Standard

Features

  • Patio & porch: Deck,Enclosed,Porch
  • Exterior features: None

Lot

  • Lot size: 6,969 sqft
  • Features: Level,Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Off Street

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
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Fulton 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 $960$11,520
Home Insurance *$110$1,320
Property Taxes $256$3,072
Electricity $303$3,640
Total$1,629$19,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,851/yr
40% on housing$48,870/yr
45% on housing$43,440/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: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 12095$134
Fulton County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 12095$122
Fulton County$164

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
2026-07-15Listed for sale$190,000
2021-12-15Listing removed--
2021-06-28Sold$55,000
2021-05-13Pending sale$62,500
2021-05-07Contingent$62,500
2021-05-04Price change$62,500
2020-04-24Pending sale$49,900
2020-01-13Price change$49,900
2019-12-03Price change$54,600
2019-09-05Price change$59,900
2019-07-05Price change$67,800
2019-05-06Listed for sale$73,500

For Sale by Agent

AgentScott P Varley
BrokerageKW Platform

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