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9 Orchard St, Ilion, NY, 13357

3beds
2baths
1,024sqft
$149,900
$146price/sqft
$1,289/moest. monthly cost
$51,560/yrincome needed

About This Home

Welcome to this beautifully renovated 3-bedroom, 1.5-bath home that perfectly blends modern updates with timeless charm. Completely remodeled from top to bottom, this truly turnkey property is ready for its next owner to move right in. The bright and inviting interior features brand-new flooring throughout, fresh paint, updated fixtures, and a beautifully renovated full bathroom. A newly added half bath on the lower level provides extra convenience and functionality. Major mechanical updates, including a newer furnace and hot water heater, offer added peace of mind. Outside, you’ll fall in love with the charming front porch-the perfect spot to enjoy your morning coffee or unwind at the end of the day. The quaint yet spacious backyard provides a cozy setting for entertaining, summer barbecues, or relaxing with family and friends. With its thoughtful renovations, warm character, and move-in-ready condition, this adorable home is the perfect place to start your next chapter. Accepted financing: conventional, FHA, VA, USDA & Cash

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Blown-In Insulation,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Country Kitchen
  • Flooring: Luxury Vinyl

Heating

  • Heating features: Gas,Electric,Forced Air

Interior Area

  • Total structure area: 1,024
  • Total interior livable area: 1,024 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 21280112003700040310000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway,Enclosed Porch,Porch

Lot

  • Lot size: 3,689 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 41 x 90

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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Ice Storm
Lightning

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 $757$9,084
Home Insurance *$79$948
Property Taxes $207$2,484
Electricity $246$2,954
Total$1,289$15,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,194/yr
40% on housing$38,670/yr
45% on housing$34,373/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

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 13357$71
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13357$103
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)

Price History

DateEventPrice
2026-08-11Price change$144,900
2026-07-24Listed for sale$149,900
2026-06-03Sold$69,000
2026-04-22Pending sale$64,900
2026-04-19Listed for sale$64,900
2000-12-28Sold$20,000

For Sale by Agent

AgentKathryn Moxham
BrokerageColdwell Banker Faith Properties Il

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