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212 Spencer Rd, Dolgeville, NY, 13329

7beds
2baths
3,806sqft
$489,000
$128price/sqft
$4,044/moest. monthly cost
$161,760/yrincome needed

About This Home

Spacious, versatile, and full of potential, this impressive 7 bedroom, 2 full bath property offers room to grow, gather and create the lifestyle you've been looking for. Set on almost 2 acres, this home features an open floor plan with several updates (including flooring, kitchen, bathroom, laundry room, lighting, water treatment system, furnace, a/c, windows, doors) and a massive 25 x 40 outbuilding housing a full gym and turf. Expansive decks and paved areas allow for additional outdoor enjoyment. With plenty of open space and recent updates, this property is a rare opportunity to own a home that truly adapts to all your needs!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1971

Materials

  • Roof: Asphalt
  • Construction materials: Cedar,Other,ICFs (Insulated Concrete Forms)

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Entrance Foyer,Separate/Formal Living Room,Home Office,Kitchen Island,Pull Down Attic Stairs
  • Flooring: Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 1,597

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,806
  • Total interior livable area: 3,806 sqft

Property

Details

  • Parcel number: 21368910800200010240000000
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Blacktop Driveway,Deck

Lot

  • Lot size: 1.90 Acres
  • Features: Irregular Lot,Residential Lot
  • Lot size dimensions: 177 x 274

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Circular 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
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
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 $2,472$29,664
Home Insurance *$268$3,216
Property Taxes $676$8,112
Electricity $628$7,547
Total$4,044$48,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,651/yr
40% on housing$121,320/yr
45% on housing$107,840/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

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 13329$105
Herkimer County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 13329$100
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
2026-04-02Listed for sale$550,000
2022-06-10Sold$350,000
2022-06-03Pending sale$349,000
2022-03-03Listed for sale$349,000
2005-01-24Sold$190,000

For Sale by Agent

AgentShelley Yerdon
BrokerageColdwell Banker Prime Properties

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