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140 E Orchard St, Frankfort, NY, 13340

5beds
1baths
1,742sqft
$119,000
$68price/sqft
$1,106/moest. monthly cost
$44,240/yrincome needed

About This Home

Looking for space without the high price tag? This affordable home in the village of Frankfort offers flexibility with up to 5 bedrooms making it an excellent opportunity for anyone who needs extra room. Inside you will find a formal dining room, an eat-in kitchen, a first floor bedroom and full bathroom plus four additional rooms upstairs. A full basement and pull down attic stairs leaves even more room for storage.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Refrigerator,See Remarks,Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Eat-in Kitchen,Pull Down Attic Stairs,Bedroom on Main Level
  • Flooring: Hardwood,Varies
  • Attic: Pull Down Stairs

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 1,742
  • Total interior livable area: 1,742 sqft

Property

Details

  • Parcel number: 21260111207400010040000000
  • Special condition: Estate

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Concrete Driveway

Lot

  • Lot size: 2,609 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 30 x 87

Parking

  • Parking features: No Garage

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 FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Herkimer 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 $601$7,212
Home Insurance *$54$648
Property Taxes $164$1,968
Electricity $287$3,454
Total$1,106$13,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,920/yr
40% on housing$33,180/yr
45% on housing$29,493/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$68This listing

vs Other Active Listings

Avg $/sqft

ZIP 13340$168
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13340$136
Herkimer County$130

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
2026-08-11Contingent$119,000
2026-07-30Listed for sale$119,000

For Sale by Agent

AgentAshley Howard
BrokerageHunt Real Estate ERA

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