425 Otsego St, Ilion, NY, 13357
About This Home
Welcome Home to Easy Living in the Village of Ilion! Imagine coming home to a place where life feels just a little easier. This beautifully maintained 2-bedroom ranch offers the perfect blend of comfort, convenience, and low-maintenance living—all while giving you an outdoor space you'll never want to leave! Step inside to a bright and welcoming living room, a cozy kitchen with a dining area that's perfect for everyday meals or gathering with family and friends, and a spacious primary suite featuring a walk-in closet and private full bath. A second bedroom and additional full bath provide flexibility for guests, family, or a home office. Need more room to relax? The newly finished basement family room is the perfect place for movie nights, game days, or simply unwinding after a long day. You'll also appreciate the dedicated laundry area and plenty of storage space. Outside is where this home truly shines! Enjoy summer evenings on the deck overlooking the large, partially fenced backyard complete with a privacy fence—your own peaceful retreat for entertaining, gardening, pets, or simply soaking up the sunshine. Additional features include: New roof Affordable Ilion Municipal Electric Attached 2-car garage Ample storage throughout Whether you're looking to downsize, purchase your first home, or simply enjoy the ease of one-floor living, this home offers the perfect combination of comfort, privacy, and practicality. Offered at just $245,000—don't miss your chance to make this wonderful home your own! All buyers must be prequalified.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1992
Materials
- Foundation: Block
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Water Heater,Free-Standing Range,Microwave,Oven,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Features
- Breakfast Bar,Separate/Formal Living Room,Bath in Primary Bedroom,Main Level Primary,Primary Suite
- Flooring: Hardwood,Luxury Vinyl,Varies
Heating
- Heating features: Electric,Baseboard
Interior Area
- Total structure area: 1,056
- Total interior livable area: 1,056 sqft
Property
Details
- Parcel number: 21280111906000040293000000
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Exterior features: Blacktop Driveway
Lot
- Lot size: 0.41 Acres
- Features: Irregular Lot
- Lot size dimensions: 95 x 187
Parking
- Total spaces: 2
- Parking features: Attached,Garage,Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Winter Weather
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters in Herkimer County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,200 | $14,400 |
| Home Insurance * | $125 | $1,500 |
| Property Taxes | $328 | $3,936 |
| Electricity | $246 | $2,954 |
| Total | $1,899 | $22,788 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Pending sale | $237,500 |
| 2026-08-09 | Contingent | $237,500 |
| 2026-08-03 | Price change | $237,500 |
| 2026-07-23 | Listed for sale | $245,000 |
| 2005-08-31 | Sold | $80,000 |
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