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814 County Highway 137, Johnstown, NY, 12095

3beds
1baths
1,257sqft
$169,900
$135price/sqft
$1,432/moest. monthly cost
$57,280/yrincome needed

About This Home

Lots of potential in this 3 bedroom house with knotty pine throughout. Large garage, rear deck, plenty of parking. Backs to Caroga Creek. Sold as is

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

10/10
Wheelerville SchoolGrades PK-82.7 mi

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Den

  • Level: First

Family Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,257

Heating & Cooling

  • Heating features: Hot Water,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 1,257
  • Total interior livable area: 1,257 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: 172400 115.112
  • Special condition: Corporate Owned

Features

  • Patio & porch: Deck
  • Waterfront features: Creek

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $859$10,308
Home Insurance *$98$1,176
Property Taxes $229$2,748
Electricity $246$2,954
Total$1,432$17,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,097/yr
40% on housing$42,960/yr
45% on housing$38,186/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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 12095$134
Fulton County$166

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
2026-07-31Listed for sale$169,900
2025-12-26Sold$126,083

For Sale by Agent

AgentJohn Purdy
BrokeragePurdy Realty LLC

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