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28 Orchard St, Ilion, NY, 13357

2beds
1baths
1,008sqft
$79,900
$79price/sqft
$802/moest. monthly cost
$32,080/yrincome needed

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

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

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
    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 $404$4,848
Home Insurance *$42$504
Property Taxes $110$1,320
Electricity $246$2,954
Total$802$9,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,497/yr
40% on housing$24,060/yr
45% on housing$21,386/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

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 13357$75
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
2026-04-25Price change$99,900
2026-04-07Price change$104,900
2026-03-26Listed for sale$115,900
2025-10-30Sold$35,300
2024-11-08Sold$58,000
2019-06-26Sold$11,000

For Sale by Agent

AgentOmar Knight
BrokerageRiver Hills Properties LLC Barn

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