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31 Upper Whitfield Road, Accord, NY, 12404

4beds
4baths
3,865sqft
$1,449,000
$375price/sqft
$10,239/moest. monthly cost
$409,560/yrincome needed

About This Home

Listed on the National Register of Historic Places, this extraordinary stone residence is among the rarest surviving examples of early Hudson Valley architecture. One of the earliest stone houses built in 1770 that remains in Accord stands as a remarkable testament to craftsmanship, history, and enduring beauty. Set on 17 acres spanning both sides of a quiet country road, the property unfolds as a private landscape of ponds, gardens, open meadows, and mature trees. A classic barn, sugar shack, and winding stone pathways enhance the sense of place, while the natural surroundings create a sanctuary for wildlife and the simple pleasures of country living. Watch turtles bask by the pond, listen to frogs on summer evenings, marvel at fireflies drifting across the fields, and enjoy some of the area's most spectacular stargazing. A charming stone walkway leads to the home, where the elegance of its historic architecture is immediately apparent. Meticulously crafted stonework, preserved and maintained through generations, creates a striking first impression and speaks to the property's rich heritage. This home stands boldly on the hillside. Inside, history and sophistication exist in perfect balance. Hand-hewn beams, wide board flooring, and beautifully preserved period details lend warmth and authenticity throughout the home. Spacious living areas accommodate both intimate gatherings and larger celebrations, while large windows fill the interiors with natural light and frame views of the surrounding landscape. The living room is anchored by a wood stove that provides warmth and character throughout the seasons. Nearby, the farmhouse kitchen serves as the heart of the home, complete with a wood stove, dining nook, and the timeless charm expected of a property of this caliber. An adjoining nineteenth-century cottage offers exceptional flexibility. Whether incorporated into the main residence, used as private guest accommodations, or as an income-producing rental, it expands the property's possibilities while preserving its historic character. The home offers four inviting bedrooms and four bathrooms, each thoughtfully updated with finishes that complement the original architecture. The result is a seamless blend of old-world charm and modern comfort. A spacious two-car garage provides ample room for vehicles, storage, a workshop, or a creative studio. While the setting feels wonderfully secluded, some of the Hudson Valley's most sought-after destinations are just minutes away, including Inness, Westwind Orchard, and Arrowood Farms Brewery. Krom Stone Farmhouse offers a rare opportunity to steward an irreplaceable piece of Hudson Valley history while enjoying all the comforts of modern country living. A full list of many improvements is available on request.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1770

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: Clapboard,Frame,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Washer,Refrigerator,Range,Oven,Electric Water Heater,Dryer,Dishwasher
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Built-in Features,Crown Molding,Entrance Foyer,In-Law Floorplan,Kitchen Island,Natural Woodwork,Soaking Tub
  • Window features: Skylight(s)
  • Flooring: Ceramic Tile,Wood
  • Number of fireplaces: 3
  • Fireplace features: Basement,Kitchen,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,865

Heating & Cooling

  • Heating features: Electric,Heat Pump,Oil
  • Cooling features: Ductless,Heat Pump

Interior Area

  • Total structure area: 3,865
  • Total interior livable area: 3,865 sqft

Property

Details

  • Parcel number: 69.1123.111
  • Zoning: AR3
  • Other equipment: Generator

Features

  • Levels: Two
  • Patio & porch: Enclosed,Patio
  • Exterior features: Fire Pit,Private Yard
  • Has view: Yes
  • View description: Meadow,Other

Lot

  • Lot size: 17.40 Acres
  • Features: Pond on Lot,Agricultural,Cleared,Corner Lot,Front Yard,Level,Meadow,Rock Outcropping
  • Lot size dimensions: IRR

Parking

  • Total spaces: 2
  • Parking features: Circular 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 WaveRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Ulster 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 $7,326$87,912
Home Insurance *$319$3,828
Property Taxes $1,956$23,472
Electricity $638$7,664
Total$10,239$122,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$351,051/yr
40% on housing$307,170/yr
45% on housing$273,040/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: 2.7%
2.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$375This listing

vs Other Active Listings

Avg $/sqft

ZIP 12404$471
Ulster County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 12404$288
Ulster County$261

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
2026-07-14Listed for sale$1,449,000
2026-07-10Contingent$1,549,000
2026-07-10Listed for sale$1,549,000
2026-07-02Contingent$1,549,000
2026-06-15Listed for sale$1,549,000
2024-04-19Listing removed--
2023-11-09Sold$1,175,000
2023-09-19Contingent$1,250,000
2023-08-10Pending sale$1,250,000
2023-08-01Listed for sale$1,250,000
2022-11-07Sold$1,092,500
2022-08-22Contingent$1,250,000
2022-07-28Pending sale$1,250,000
2022-07-07Price change$1,250,000
2022-06-19Price change$1,395,000
2022-06-14Listed for sale$1,595,000
2021-10-26Listing removed$1,495,000
2021-10-16Price change$1,495,000
2021-10-15Listed for sale$1,795,000

For Sale by Agent

AgentLeslie Foti
BrokerageColdwell Banker Village Green

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