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160 Main Rd, Herkimer, NY, 13350

2beds
1baths
1,008sqft
$110,000
$109price/sqft
$1,042/moest. monthly cost
$41,680/yrincome needed

About This Home

This East Herkimer Two Bedroom Home can allow you to Build Equity with an affordable bank mortgage and the reasonable taxes!! The downstairs includes a Living Room, Dining Room, Refreshed Kitchen, and New Bathroom with Laundry Hookup!, Two Bedrooms up with some extra storage. Relax on the deck or watch the world go by from the enclosed front porch. Make an investment in yourself today!!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

5/10
5/10
Herkimer High SchoolGrades 6-121.6 mi

Construction

Condition

  • Year built: 1925

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Asbestos Siding

Notable Dates

  • Major remodel year: 2025

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Linoleum
  • Finished area above ground: 1,008

Heating

  • Heating features: Natural Gas,Baseboard,Hot Water

Interior Area

  • Total structure area: 1,008
  • Total interior livable area: 1,008 sqft

Kitchen

  • Features: Separate,Laminate Counters

Property

Details

  • Parcel number: 113.8342
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Enclosed Porch,Deck
  • Has view: Yes
  • View description: Street,Wooded
  • Frontage length: 0

Lot

  • Lot size: 6,350 sqft

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $556$6,672
Home Insurance *$88$1,056
Property Taxes $152$1,824
Electricity $246$2,954
Total$1,042$12,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,725/yr
40% on housing$31,260/yr
45% on housing$27,786/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

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 13350$95
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13350$97
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
2025-12-31Listed for sale$110,000

For Sale by Agent

AgentK Bruce Ward
BrokerageBRUCE WARD & COMPANY

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