




28 Orchard St, Ilion, NY, 13357
About This Home
Move-In Ready in Ilion, NY — Updated 2-Bed with Mudroom, Full Basement & Low-Cost Natural Gas Heat. This tidy, move-in ready home is fully updated and ready for its next chapter. Set on two floors plus a full basement, this 2-bedroom, 1-bath home offers 1,008 sq ft of comfortable living space with a practical layout that works for everyday life. A dedicated mudroom at the side entry keeps boots, coats, and clutter right where they belong — a feature you'll appreciate during the winter. The interior has been freshened throughout: new kitchen flooring, freshly painted walls in every room, and refinished cabinetry that gives the kitchen a clean, updated look without the renovation price tag. The kitchen offers solid cabinet storage and natural light, and the appliances are in place and ready to use. Downstairs, the full basement adds real storage space. The home is heated by efficient natural gas, one of the lowest-cost heating options available and a real advantage during Herkimer County winters. What you get:2 bedrooms / 1 bathroom / 1,008 sq ft Dedicated mudroom — great for coats, boots, gear New kitchen flooring + fresh paint throughout Refinished kitchen cabinetry + appliances included Full basement for storage or utility use Efficient natural gas heating A solid, honest home at an accessible price. Ready when you are, first time home owners or investors. Come check it out today!
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1917
Materials
- Foundation: Stone
- Construction materials: Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Historic/Antique
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Oven,Gas Range,Gas Water Heater,Refrigerator
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Eat-in Kitchen
- Flooring: Tile,Varies,Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,008
- Total interior livable area: 1,008 sqft
Property
Details
- Parcel number: 21280112003700040400000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 2,639 sqft
- Features: Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 40 x 66
Parking
- Parking features: No Garage,No Driveway
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 | $404 | $4,848 |
| Home Insurance * | $42 | $504 |
| Property Taxes | $110 | $1,320 |
| Electricity | $246 | $2,954 |
| Total | $802 | $9,624 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-25 | Price change | $99,900 |
| 2026-04-07 | Price change | $104,900 |
| 2026-03-26 | Listed for sale | $115,900 |
| 2025-10-30 | Sold | $35,300 |
| 2024-11-08 | Sold | $58,000 |
| 2019-06-26 | Sold | $11,000 |
